771 Downing Pl, Geneva, IL 60134 Property Records

Kane County property record for 771 Downing Pl, Geneva, IL 60134

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,021 sqft · built 1996
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,500 (Dec 1996)
Tax Bill	$9,754 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-02-202-045`

Property Details

APN / Parcel Number

Primary APN	`12-02-202-045`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,021 sqft Living Area
Gross Area	2,931 sqft
Basement Area	910 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	10,001 sqft (0.23 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	771 DOWNING PL
City	GENEVA
State	IL
Zip	60134-3488
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 GENEVA EAST PHASE 6
Legal Subdivision	PRAIRIE VALLEY 07
Legal Phase	6
Legal Block	4
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	GENEVA
Census Block Group	4
Census Block	4002
Census Tract	852500

Owner

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	771 DOWNING PL, GENEVA, IL 60134-3488
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 1996 · Amount on Record
Deed Sale	Dec 4, 1996 · Amount on Record
Prior Sale	Nov 13, 1996
Deed Document Number	199685462
Prior Transfer Date	Sep 3, 1996
Prior Transfer Doc	0000080571
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	771 DOWNING PL, GENEVA, IL 60134-3488
Transaction Type	Mortgage
Record Updated	Feb 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003173
Date	Jan 31, 2024
Instrument	2024K003173

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	771 DOWNING PL, GENEVA, IL 60134-3488
Transaction Type	Mortgage
Record Updated	Aug 27, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063513
Date	Aug 19, 2021
Instrument	2021K063513

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	48431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.94%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	771 DOWNING PL, GENEVA, IL 60134-3488
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042843
Date	Sep 16, 2019
Instrument	2019K042843

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate	4.12%

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,754.00 (+10.87%) Homeowner's exemption	$143,053 (+8.5%) Land $38,577 Building $104,476	$429,331 (+8.5%) Land $115,777 Building $313,553
2024		$131,846 (+18.38%) Land $35,555 Building $96,291	$395,696 (+18.43%) Land $106,708 Building $288,989
2022	$8,798.00 (+3.06%) Homeowner's exemption	$111,373 (+3.86%) Land $30,034 Building $81,339	$334,119 (+3.86%) Land $90,102 Building $244,017
2021	$8,537.00 Homeowner's exemption	$107,234 Land $28,918 Building $78,316	$321,702 Land $86,754 Building $234,948

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	1 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 97% of the US · lower than 79% 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.

Drinking Water

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

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 591 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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