Kane County property record for 916 Ray St, Geneva, IL 60134
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,172 sqft · built 1957 |
| Lot Size | 0.354 acres (15,428 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $695,000 (Apr 2024) |
| Tax Bill | $13,602 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Apr 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-10-306-002 |
| Primary APN | 12-10-306-002 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,172 sqft Living Area |
| Gross Area | 4,344 sqft |
| 1st Floor Area | 2,172 sqft |
| Basement Area | 2,172 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Lot Area | 15,428 sqft (0.354 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 916 RAY ST |
|---|---|
| City | GENEVA |
| State | IL |
| Zip | 60134-3072 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DRYDENS 2 |
| Legal Subdivision | 2ND ADDN |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | GENEVA |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 852606 |
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 | 310 PRAIRIE WINDS DR, SAINT CHARLES, IL 60174-5089 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE |
| Apr 30, 2024 | Deed, Transfer · Conventional Mortgage LOWER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2024 · Amount on Record |
| Deed Sale | Apr 30, 2024 · Amount on Record |
| Prior Sale | Sep 26, 1994 |
| Deed Document Number | 202414150 |
| Prior Transfer Date | Apr 7, 2016 |
| Prior Transfer Doc | 0000016865 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 5, 2026 |
| Property Address | 916 RAY ST, GENEVA, IL 60134-3072 |
| Document Number | 0000042833 |
| Instrument Date | Sep 29, 2026 |
| Instrument | 202642833 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 916 RAY ST, GENEVA, IL 60134-3072 |
| Document Number | 0000042833, |
|---|---|
| Date | Oct 5, 2026 |
| Instrument | 202642833 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 10.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 17, 2026 |
| Property Address | 916 RAY ST, GENEVA, IL 60134-3072 |
| Document Number | 0000015633 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 202615633 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 916 RAY ST, GENEVA, IL 60134-3072 |
| Document Number | 0000015633, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 202615633 |
| Name | ATLANTIC COAST MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 30, 2024 |
| Property Address | 916 RAY ST, GENEVA, IL 60134-3072 |
| Document Number | 0000014150 |
| Instrument Date | Apr 26, 2024 |
| Instrument | 2024K014150 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2024 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $695.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 700 W FABYAN PKWY # 276, 276, BATAVIA, IL 60510-1269 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 310 PRAIRIE WINDS DR, ST CHARLES, IL 60174-5089 |
| Document Number | 0000014151 |
|---|---|
| Date | Apr 30, 2024 |
| Instrument | 2024K014151 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.62% |
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 | $13,602.00 (+13.44%) | $188,333 (+8.5%) Land $117,436 Building $70,897 | $565,225 (+8.5%) Land $352,449 Building $212,776 |
| 2024 | $11,990.00 (+5.88%) | $173,579 (+18.38%) Land $108,236 Building $65,343 | $520,945 (+18.43%) Land $324,838 Building $196,107 |
| 2022 | $11,324.00 (+3.15%) Homeowner's exemption | $146,626 (+3.86%) Land $91,429 Building $55,197 | $439,878 (+3.86%) Land $274,287 Building $165,591 |
| 2021 | $10,978.00 Homeowner's exemption | $141,177 Land $88,031 Building $53,146 | $423,531 Land $264,093 Building $159,438 |
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.
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 |
| Nearby Flood Claims | 2 (1996–2002) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 2002 · rainfall accumulation |
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.
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 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 |
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