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677 James St, Geneva, IL 60134 Property Records

Kane County property record for 677 James St, Geneva, IL 60134

Property Summary

Property TypeSingle Family Home
OwnerTrust Name on File
Last Sale$477,500 (Dec 2015)
Tax Bill$14,135 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Feb 2021 Re-recorded Document
Flood ZoneZone X (minimal risk)
APN12-03-334-019

Property Details

APN / Parcel Number

Primary APN12-03-334-019

Location & Zoning

Street Address677 JAMES ST
CityGENEVA
StateIL
Zip60134-2120
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description7TH STREET TERRACE SUB PT LT 1 - DIVIDED PER TAX PAYER REQUEST DATED 9/1/15 WITH SURVEY - UNIT 6 (C2)
Legal Subdivision7TH STREET TERRACE
Legal Block2
Legal Lot Number1
Legal Unit6
JurisdictionKANE IL
Township / Civil DivisionGENEVA
Census Block Group2
Census Block2007
Census Tract852608

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Central Geneva Historic District (Boundary Increase)
listed 2017 · 33 contributing resources · NRIS 16000897

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

677 James St is owner-occupied and held in a trust since February 2021.

Source: Kane County records, as of July 23, 2026

Owner of RecordTrust Name on File
Mailing Address677 JAMES ST, GENEVA, IL 60134-2120
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Feb 25, 2021Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE AFFINITY LLC
Feb 25, 2021Re-recorded Document
BURNET TITLE POST CLOSING

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 17, 2015 · Amount on File
Deed SaleDec 17, 2015 · Amount on File
Deed Document Number201567155
Last Transfer DateFeb 24, 2021
Transfer Doc0000014947
Record UpdatedSep 20, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address677 JAMES ST, GENEVA, IL 60134-2120
Transaction TypeMortgage
Record UpdatedAug 5, 2022
Title CompanyBURNET TITLE-POST CLOSING, BURNET TITLE POST CLOSING

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000014948
DateFeb 25, 2021
Instrument2021K014948
Lender
NameGUARANTEED RATE AFFINITY LLC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term357 Months
DueNov 1, 2050
Interest
Rate TypeFixed Rate
Rate2.99%

February 2021: Re-recorded Document

Document TypeRe-recorded Document
JurisdictionKANE IL
Recording DateFeb 25, 2021
Property Address677 JAMES ST, GENEVA, IL 60134-2120
Document Number0000014947
Map ReferenceDOC 2015K004560
Instrument DateFeb 24, 2021
Instrument2021K014947
Record UpdatedJun 7, 2023
Title CompanyBURNET TITLE POST CLOSING

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust

Tax Assessment & Valuation

The 2025 property tax bill for 677 James St was $14,135 with exemptions applied.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionGeneva Township
MunicipalityGeneva City
Unified School DistrictGeneva Community Unit School District 304 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$14,135.00 Homeowner's exemption Senior Citizen's exemption$200,009 (+8.5%) Land $45,377 Building $154,632$600,267 (+8.5%) Land $136,185 Building $464,082
2024$184,340 Land $41,822 Building $142,518$553,241 Land $125,516 Building $427,725
2022$12,576.00 (+2.34%) Homeowner's exemption$155,716 (+3.86%) Land $35,328 Building $120,388$467,148 (+3.86%) Land $105,984 Building $361,164
2021$12,289.00 Homeowner's exemption$149,929 Land $34,015 Building $115,914$449,787 Land $102,045 Building $347,742

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

FEMA maps place 677 James 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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

The area around 677 James 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 RiskNot 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 SystemGENEVA
serves 21,247 people · EPA ID IL0890350
Water SourceGroundwater
Last State InspectionJun 2023
Lead5 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 387 locations within half a mile, as of December 31, 2025

ProviderMax 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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