610 Stearn Dr, Genoa, IL 60135 Property Records

DeKalb County property record for 610 Stearn Dr, Genoa, IL 60135

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · built 2007
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$276,000 (Nov 2021)
Tax Bill	$6,688 (2024)
Deeds & Mortgages	Nov 2021 Sale & Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-25-277-015`

Property Details

APN / Parcel Number

Primary APN	`02-25-277-015`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Traditional
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	None
Water Source	Commercial

Location & Zoning

Account Number	0225277015
Street Address	610 STEARN DR
City	GENOA
State	IL
Zip	60135-1456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 199 - RIVERBEND ADDITION TO GENOA - UNIT THREE
Legal Subdivision	RIVERBEND ADDITION
Legal Lot Number	199
Legal Unit	THRE
Jurisdiction	DE KALB IL
Township / Civil Division	KINGSTON
Census Block Group	4
Census Block	4009
Census Tract	100

Owner

Source: DeKalb County records, as of April 28, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	610 STEARN DR, GENOA, IL 60135-1456
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Warranty Deed, Transfer · FHA Mortgage HOME STATE BANK NA
May 13, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on Record
Deed Sale	Nov 1, 2021 · Amount on Record
Prior Sale	May 13, 2021 · Amount on Record
Deed Document Number	202114172
Prior Transfer Date	Jan 4, 2013
Prior Transfer Doc	0000000150
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Nov 1, 2021
Property Address	610 STEARN DR, GENOA, IL 60135-1456
Document Number	0000014172
Map Reference	DOC 2005019501
Instrument Date	Oct 14, 2021
Instrument	2021014172
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$414.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 STEARN DR, GENOA, IL 60135-1456

Mortgage

Document Number	0000014173
Date	Nov 1, 2021
Instrument	2021014173

Lender

Name	HOME STATE BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	May 13, 2021
Property Address	610 STEARN DR, GENOA, IL 60135-1456
Document Number	0000006241
Map Reference	DOC 2005019501
Instrument Date	May 7, 2021
Instrument	2021006241
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	610 STEARN DR, GENOA, IL 60135-1456

Mortgage

Document Number	0000006242
Date	May 13, 2021
Instrument	2021006242

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: DeKalb County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DeKalb County
County Subdivision	Kingston Township
Municipality	Genoa City
Unified School District	Genoa-Kingston Community Unit School District 424 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$88,464 (+22.81%) Land $8,796 Building $79,668	$265,392 (+22.81%) Land $26,388 Building $239,004
2024	$6,688.00
2023		$72,034 Land $7,162 Building $64,872	$216,102 Land $21,486 Building $194,616

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 January 2, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 61% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	GENOA serves 5,298 people · EPA ID IL0370150
Water Source	Groundwater
Last State Inspection	May 2025
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium not recorded as resolved · Apr 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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