Kane County property record for 812 Richards St, Geneva, IL 60134
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 659 sqft · built 1947 |
| Lot Size | 0.183 acres (7,980 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $527,500 (Sep 2026) |
| Tax Bill | $6,039 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Sep 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-03-127-003 |
| Primary APN | 12-03-127-003 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 659 sqft Living Area |
| Gross Area | 1,318 sqft |
| 1st Floor Area | 659 sqft |
| Basement Area | 659 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Lot Area | 7,980 sqft (0.183 acres) |
| View / Lot | Corner |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 812 RICHARDS ST |
|---|---|
| City | GENEVA |
| State | IL |
| Zip | 60134-1267 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 BLOCK 11 THE MEDIAPOLIS ADD |
| Legal Subdivision | 1 THE MEDIAPOLIS ADDN |
| Legal Block | 3 |
| Legal Lot Number | 6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | GENEVA |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 852608 |
Source: Kane County records, as of October 13, 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 | 1843 RIVERDALE RD, GERMANTOWN, TN 38138-2645 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 6, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Sep 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Jul 19, 2021 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Jan 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 29, 2019 | Deed of Trust, Mortgage LOANDEPOT.COM LLC |
| Jul 6, 2017 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 2026 · Amount on Record |
| Deed Sale | Sep 10, 2026 · Amount on Record |
| Prior Sale | Mar 28, 2016 · Amount on Record |
| Deed Document Number | 202639231 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 6, 2026 |
| Property Address | 812 RICHARDS ST, GENEVA, IL 60134-1267 |
| Document Number | 0000043143 |
| Instrument Date | Sep 22, 2026 |
| Instrument | 202643143 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 812 RICHARDS ST, GENEVA, IL 60134-1267 |
| Document Number | 0000043143, |
|---|---|
| Date | Oct 6, 2026 |
| Instrument | 202643143 |
| Name | FIRST AMERICAN BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 10, 2026 |
| Property Address | 812 RICHARDS ST, GENEVA, IL 60134-1267 |
| Document Number | 0000039231 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 202639231 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2026 |
| Title Company | PROPER TITLE LLC, PROPER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $79,916.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1843 RIVERDALE RD, GERMANTOWN, TN 38138-2645 |
| Document Number | 0000039232, |
|---|---|
| Date | Sep 10, 2026 |
| Instrument | 202639232 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.55% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 812 RICHARDS ST, GENEVA, IL 60134-1267 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000054985 |
|---|---|
| Date | Jul 19, 2021 |
| Instrument | 2021K054985 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | 26642 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 812 RICHARDS ST, GENEVA, IL 60134-1267 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000006659 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 2021K006659 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Dec 1, 2040 |
| Rate | 3.25% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 812 RICHARDS ST, GENEVA, IL 60134-1267 |
| Document Number | 0000014381 |
| Instrument Date | Mar 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 812 RICHARDS ST GENEVA IL 601341267, GENEVA, IL 60134-1267 |
| Document Number | 0000014381 |
|---|---|
| Date | Apr 15, 2019 |
| Instrument | 14381 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Amount | Amount Recorded |
|---|---|
| Term | 300 Months |
| Due | Apr 14, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 812 RICHARDS ST, GENEVA, IL 60134-1267 |
| Document Number | 0000037844 |
| Instrument Date | Jul 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 812 RICHARDS ST GENEVA IL 601341267, GENEVA, IL 60134-1267 |
| Document Number | 0000037844 |
|---|---|
| Date | Jul 21, 2017 |
| Instrument | 37844 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 20, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
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 | $6,039.00 (+19.7%) Homeowner's exemption Senior Citizen's exemption | $99,616 (+8.5%) Land $39,010 Building $60,606 | $298,968 (+8.5%) Land $117,077 Building $181,891 |
| 2024 | $91,812 (+28.54%) Land $35,954 Building $55,858 | $275,546 (+28.59%) Land $107,905 Building $167,641 | |
| 2022 | $5,045.00 (+3.55%) Homeowner's exemption | $71,429 (+3.86%) Land $30,371 Building $41,058 | $214,287 (+3.86%) Land $91,113 Building $123,174 |
| 2021 | $4,872.00 Homeowner's exemption | $68,774 Land $29,242 Building $39,532 | $206,322 Land $87,726 Building $118,596 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 428 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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