804 Dow Ave, Geneva, IL 60134 Property Records

Kane County property record for 804 Dow Ave, Geneva, IL 60134

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,384 sqft · built 1888
Lot Size	0.305 acres (13,270 sqft)
Owner	Individual Name on Record
Last Sale	$950,000 (May 2026)
Tax Bill	$15,910 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-10-176-021`

Property Details

APN / Parcel Number

Primary APN	`12-10-176-021`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,384 sqft Living Area
Gross Area	2,984 sqft
Basement Area	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Exterior Material	Wood
Lot Area	13,270 sqft (0.305 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	804 DOW AVE
City	GENEVA
State	IL
Zip	60134-3028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FARGOS SUBDIVISION LOTS 19,20,21, AND 22 IN BLK 2 OF FARGOS SUB OF BLKS 6 & 7 OF CHEEVERS ADD TO GENEVA
Legal Subdivision	FARGOS SUB
Legal Block	2,6,7
Legal Lot Number	19-21
Jurisdiction	KANE IL
Township / Civil Division	GENEVA
Census Block Group	2
Census Block	2063
Census Tract	852608

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	Individual Name on Record
Mailing Address	804 DOW AVE, GENEVA, IL 60134-3028
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Apr 7, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 18, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
May 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Feb 4, 2015 · Amount on Record
Deed Document Number	202620277
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	804 DOW AVE, GENEVA, IL 60134-3028
Transaction Type	Mortgage
Record Updated	May 27, 2026
Title Company	FSBO TITLE COMPANY, FOX TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021715
Date	Apr 21, 2022
Instrument	2022K021715

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.73%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	804 DOW AVE, GENEVA, IL 60134-3028
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028237
Date	Apr 12, 2021
Instrument	2021K028237

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	4.12%

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	804 DOW AVE, GENEVA, IL 60134-3028
Transaction Type	Mortgage
Record Updated	May 27, 2026
Title Company	FSBO TITLE COMPANY, FOX TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 DOW AVE, GENEVA, IL 60134-3028

Mortgage

Document Number	0000012122
Date	Apr 7, 2025
Instrument	2025K012122

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2055

Interest

Rate	7.25%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 18, 2026
Property Address	804 DOW AVE, GENEVA, IL 60134-3028
Document Number	0000020277
Instrument Date	Apr 30, 2026
Instrument	2026.20277
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$143,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 DOW AVE, GENEVA, IL 60134-3028

Mortgage

Document Number	0000020278,
Date	May 18, 2026
Instrument	2026.20278

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	804 DOW AVE, GENEVA, IL 60134-3028
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	CARRINGTON TITLE PARTNERS LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021653
Date	May 10, 2018
Instrument	2018K021653

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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	$15,910.00 (+3.3%) Homeowner's exemption	$228,291 (+8.5%) Land $100,660 Building $127,631	$685,147 (+8.5%) Land $302,101 Building $383,046
2024	$15,401.00 (+7.41%)	$210,406 (+18.38%) Land $92,774 Building $117,632	$631,471 (+18.43%) Land $278,433 Building $353,037
2022	$14,338.00 (+2.96%) Homeowner's exemption	$177,734 (+3.86%) Land $78,368 Building $99,366	$533,202 (+3.86%) Land $235,104 Building $298,098
2021	$13,926.00 Homeowner's exemption	$171,128 Land $75,455 Building $95,673	$513,384 Land $226,365 Building $287,019

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 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

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	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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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