Kane County property record for 674 Ray St, Geneva, IL 60134
| Property Type | Single Family Home |
|---|---|
| Owner | 2 Company Names on Record |
| Tax Bill | $37,464 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit Aug 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-10-328-027 |
| Primary APN | 12-10-328-027 |
|---|
| Street Address | 674 RAY ST |
|---|---|
| City | GENEVA |
| State | IL |
| Zip | 60134-3016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODLAND 1ST RESUB - LT 2 |
| Legal Subdivision | WOODLAND 1ST RESUB |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | GENEVA |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 852606 |
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 674 RAY ST, GENEVA, IL 60134-3016 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Mar 7, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Aug 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE INC |
| Aug 6, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Aug 7, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage WINTRUST MTG |
| Mar 27, 2017 | Grant Deed, Foreclosure CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 6, 2020 |
| Transfer Doc | 0000043891 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 674 RAY ST, GENEVA, IL 60134-3016 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000007483 |
|---|---|
| Date | Mar 7, 2024 |
| Instrument | 2024K007483 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Jan 1, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Min Rate At Change | 4.25% |
| Max Rate | 18% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 674 RAY ST, GENEVA, IL 60134-3016 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2021 |
| Title Company | CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC |
| Name | Verified Name |
|---|
| Document Number | 0000066704 |
|---|---|
| Date | Aug 31, 2021 |
| Instrument | 2021K066704 |
| Name | COMPASS MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | WARRENVILLE, IL 60555 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.5% |
| Index | 1-Year T-Bill |
| Margin | 3 |
| Max Rate | 7.5% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 6, 2020 |
| Property Address | 674 RAY ST, GENEVA, IL 60134-3016 |
| Document Number | 0000043891 |
| Instrument Date | Aug 4, 2020 |
| Instrument | 43891 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 674 RAY ST GENEVA IL 601343016, GENEVA, IL 60134-3016 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 7, 2017 |
| Property Address | 674 RAY ST, GENEVA, IL 60134-3016 |
| Instrument Date | Jul 31, 2017 |
| Instrument | 40789 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 7, 2017 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 674 RAY ST GENEVA IL 60134, GENEVA, IL 60134 |
| Document Number | 0000040789 |
|---|---|
| Date | Aug 7, 2017 |
| Instrument | 40789 |
| Name | WINTRUST MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEMONT, IL 60018 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 384 Months |
| Due | Aug 6, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 27, 2017 |
| Property Address | 674 RAY ST, GENEVA, IL 60134-3016 |
| Document Number | 0000015451 |
| Instrument Date | Feb 22, 2017 |
| Instrument | 15451 |
| Transaction Type | Foreclosure |
| Record Updated | May 27, 2017 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Amount | Amount Recorded |
|---|---|
| Tax | $754.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 112 S BLOOMINGDALE RD BLOOMINGDALE IL 601081239, BLOOMINGDALE, IL 60108-1239 |
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 | $37,464.00 (+9.36%) Homeowner's exemption Senior Citizen's exemption | $534,714 (+8.5%) Land $134,211 Building $400,503 | $1,604,784 (+8.5%) Land $402,794 Building $1,201,990 |
| 2024 | $492,824 (+18.38%) Land $123,697 Building $369,127 | $1,479,064 (+18.43%) Land $371,239 Building $1,107,824 | |
| 2022 | $34,258.00 (+2.88%) Homeowner's exemption | $416,300 (+3.86%) Land $104,490 Building $311,810 | $1,248,900 (+3.86%) Land $313,470 Building $935,430 |
| 2021 | $33,298.00 Homeowner's exemption | $400,828 Land $100,607 Building $300,221 | $1,202,484 Land $301,821 Building $900,663 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 2 (1996–2002) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 2002 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 219 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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