540 E Locust St, Geneseo, IL 61254 Property Records

Henry County property record for 540 E Locust St, Geneseo, IL 61254

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,588 sqft · built 1973
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$176,000 (Jul 2018)
Tax Bill	$5,620 (2025)
Deeds & Mortgages	Jan 2020 Transfer Jul 2018 Sale & Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-21-432-006`

Property Details

APN / Parcel Number

Primary APN	`08-21-432-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,588 sqft Living Area
1st Floor Area	1,588 sqft
Basement Area	1,588 sqft
Finished Basement	1,588 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	88 ft deep x 114 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	540 E LOCUST ST
City	GENESEO
State	IL
Zip	61254-1779
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1 HAWTHORNE COURT SUB CITY OF GENESEO
Legal Subdivision	CITY OF GENESEO
Legal Block	432
Legal Lot Number	1
Jurisdiction	HENRY IL
Township / Civil Division	GENESEO
Census Block Group	3
Census Block	3038
Census Tract	30302

Owner

Source: Henry County records, as of June 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	540 E LOCUST ST, GENESEO, IL 61254-1779
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 18, 2018	Warranty Deed, Transfer · Stand-Alone Second Mortgage PERL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2018 · Amount on Record
Deed Sale	Jul 18, 2018 · Amount on Record
Deed Document Number	201820-1803964
Last Transfer Date	Jan 8, 2020
Transfer Doc	0002000213
Record Updated	Sep 20, 2026

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENRY IL
Recording Date	Jan 13, 2020
Property Address	540 E LOCUST ST, GENESEO, IL 61254-1779
Document Number	0000000213
Instrument Date	Jan 2, 2020
Instrument	213
Transaction Type	Transfer
Record Updated	May 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	540 E LOCUST ST GENESEO IL 612541779, GENESEO, IL 61254-1779

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY IL
Recording Date	Jul 18, 2018
Property Address	540 E LOCUST ST, GENESEO, IL 61254-1779
Document Number	0000003964
Instrument Date	Jul 12, 2018
Instrument	20-1803964
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	WESTERN ILLINOIS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	435 ALLES ST UNIT 506, 506, DES PLAINES, IL 60016-7890

Mortgage

Document Number	0000003965
Date	Jul 18, 2018
Instrument	20-1803965

Lender

Name	PERL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Henry County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Henry County
County Subdivision	Geneseo Township
Municipality	Geneseo City
Unified School District	Geneseo Community Unit School District 228 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,620.00 (+31.89%)	$81,550 (+25.83%) Land $9,100 Building $72,450	$244,650 (+25.83%) Land $27,300 Building $217,350
2022		$64,812 Land $7,232 Building $57,580	$194,436 Land $21,696 Building $172,740
2021	$4,261.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective June 2, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GENESEO serves 6,539 people · EPA ID IL0730500
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	3 ppb (2026–2028) action level 15 ppb
Copper	1.4 mg/L (2015–2017) action level 1.3 mg/L

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 462 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Geneseo Communications Services Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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