Kane County property record for 731 Richards St, Geneva, IL 60134
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,500 sqft · built 1951 |
| Lot Size | 0.288 acres (12,545 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $8,278 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Dec 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-03-130-003 |
| Primary APN | 12-03-130-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| Gross Area | 3,000 sqft |
| 1st Floor Area | 1,500 sqft |
| Basement Area | 1,500 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Lot Area | 12,545 sqft (0.288 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 731 RICHARDS ST |
|---|---|
| City | GENEVA |
| State | IL |
| Zip | 60134-1264 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEE NOTES |
| Legal Subdivision | GRANDVIEW ADD/GENEVA |
| Legal Block | 3 |
| Legal Lot Number | 4,5 |
| Jurisdiction | KANE IL |
| Township / Civil Division | GENEVA |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 852608 |
Source: Kane County records, as of July 23, 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 | 731 RICHARDS ST, GENEVA, IL 60134-1264 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 22, 2026 | Deed of Trust, Mortgage · Line of Credit OLD SECOND NATIONAL BANK |
| Dec 9, 2021 | Deed of Trust, Mortgage · Line of Credit OLD SECOND NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 22, 2026 |
| Property Address | 731 RICHARDS ST, GENEVA, IL 60134-1264 |
| Document Number | 0000021073 |
| Instrument Date | May 9, 2026 |
| Instrument | 202621073 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | WHEATLAND TITLE, WHEATLAND TITLE GUARANTY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 731 RICHARDS ST, GENEVA, IL 60134-1264 |
| Document Number | 0000021073, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202621073 |
| Name | OLD SECOND NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2056 |
| Rate | 6.75% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 731 RICHARDS ST, GENEVA, IL 60134-1264 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | AF TITLE COMPANY, FOX TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000091587 |
|---|---|
| Date | Dec 9, 2021 |
| Instrument | 2021K091587 |
| Name | OLD SECOND NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | AURORA, IL 60506 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 25, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $8,278.00 (+5.32%) Homeowner's exemption | $122,626 (+8.5%) Land $43,345 Building $79,281 | $368,025 (+8.5%) Land $130,087 Building $237,938 |
| 2024 | $113,019 (+12.86%) Land $39,949 Building $73,070 | $339,193 (+12.9%) Land $119,895 Building $219,298 | |
| 2022 | $7,860.00 (+3.08%) Homeowner's exemption | $100,143 (+3.86%) Land $33,746 Building $66,397 | $300,429 (+3.86%) Land $101,238 Building $199,191 |
| 2021 | $7,625.00 Homeowner's exemption | $96,421 Land $32,492 Building $63,929 | $289,263 Land $97,476 Building $191,787 |
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
| 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.
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 462 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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