Kane County property record for 522 Franklin St, Geneva, IL 60134
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,680 sqft · built 1921 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $403,000 (Nov 2022) |
| Tax Bill | $13,323 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-03-384-002 |
| Primary APN | 12-03-384-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Living Area |
| Gross Area | 2,579 sqft |
| Basement Area | 899 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1921 |
| Lot Area | 9,000 sqft (0.207 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 522 FRANKLIN ST |
|---|---|
| City | GENEVA |
| State | IL |
| Zip | 60134-2643 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 BLOCK 77 |
| Legal Subdivision | GENEVA IN TH ENEVA |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | GENEVA |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 852608 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Central Geneva Historic District listed 1979 · 68 contributing resources · NRIS 79000845 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
522 Franklin St is owned and occupied by an individual who bought it in November 2022.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 522 FRANKLIN ST, GENEVA, IL 60134-2643 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 6, 2023 | Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU |
| Nov 16, 2022 | Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 16, 2022 · Amount on File |
| Deed Sale | Nov 16, 2022 · Amount on File |
| Deed Document Number | 202255355 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 522 FRANKLIN ST, GENEVA, IL 60134-2643 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0000000520 |
|---|---|
| Date | Jan 6, 2023 |
| Instrument | 2023K000520 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.3% |
| Index | 1-Year CMT |
| Max Rate | 11.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Nov 16, 2022 |
| Property Address | 522 FRANKLIN ST, GENEVA, IL 60134-2643 |
| Document Number | 0000055355 |
| Instrument Date | Nov 8, 2022 |
| Instrument | 2022K055355 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $403.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 522 FRANKLIN ST, GENEVA, IL 60134-2643 |
| Document Number | 0000055356 |
|---|---|
| Date | Nov 16, 2022 |
| Instrument | 2022K055356 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.3% |
| Index | 1-Year CMT |
| Max Rate | 11.3% |
The 2025 property tax bill for 522 Franklin St was $13,323 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Geneva Township |
| Municipality | Geneva City |
| Unified School District | Geneva Community Unit School District 304 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,323.00 Homeowner's exemption | $192,469 (+8.5%) Land $52,977 Building $139,492 | $577,638 (+8.5%) Land $158,995 Building $418,643 |
| 2024 | $177,391 Land $48,827 Building $128,564 | $532,386 Land $146,540 Building $385,846 | |
| 2022 | $11,592.00 (+3.13%) Homeowner's exemption | $149,846 (+3.86%) Land $41,245 Building $108,601 | $449,538 (+3.86%) Land $123,735 Building $325,803 |
| 2021 | $11,240.00 Homeowner's exemption | $144,277 Land $39,712 Building $104,565 | $432,831 Land $119,136 Building $313,695 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 522 Franklin St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 522 Franklin St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GENEVA serves 21,247 people · EPA ID IL0890350 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2023 |
| Lead | 5 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 387 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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