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Single Family ResidenceResidential
$376,841$338 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

428 RICHARDS ST

GENEVA, IL 60134
3
Beds
1
Baths
1,116 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1902
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$377K
$344K low$410K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$185,941
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$148,753
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.55%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$140,900
US BANK NA · R · recorded Mar 6, 2003
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$50,000
HARRIS NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,035 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$105,403 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$39,010
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$66,393
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$97,146
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$316,336

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyKANE
Lot (acres)The size of the land the home sits on, from county records.0.15
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Geneva High SchoolB+
High · Grades 9–12 · 0.2 mi
E
Williamsburg Elementary SchoolA
Elementary · Grades KG–5 · 0.8 mi
M
Geneva Middle School NorthA
Middle · Grades 6–8 · 2.5 mi

District: Geneva Community Unit School District 304

Neighborhood · ZIP 60134These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.69
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.53

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.40%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.30,629
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,793 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$144,772
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$172,749
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

428 Richards St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 86% of homes in Geneva 60134
  • Costs more per square foot than 97% of homes in Kane County
  • Smaller than 93% of homes in Geneva 60134
  • Has a smaller lot than 91% of homes in Geneva 60134
  • Older than 97% of homes in Geneva 60134

What homes are worth in Geneva 60134

Each bar is how many homes fall in that price range. The marker is this home.

This home
$282K$1.1M

This home is worth more than 14% of homes in Geneva 60134.

How it measures up in Geneva 60134

The dot is this home. The mark in the middle is the typical home in Geneva 60134.

Estimated value$376,841
CheaperTypical $548,438Pricier

Pricier than 14% of homes nearby

Price per ft²$338
CheaperTypical $250Pricier

Pricier than 88% of homes nearby

Living area1,116 ft²
SmallerTypical 2,182 ft²Bigger

Bigger than 7% of homes nearby

Lot size0.15 ac
SmallerTypical 0.25 acBigger

Bigger than 9% of homes nearby

Year built1902
OlderTypical 1990Newer

Newer than 3% of homes nearby

How 428 Richards St ranks against every home in each area.
MeasureThis homeGeneva 60134Kane County
Estimated valuepricier than$376,84114% of homes50% of homes
Price per ft²pricier than$33888% of homes97% of homes
Living areabigger than1,116 ft²7% of homes15% of homes
Lot sizebigger than0.15 ac9% of homes14% of homes
Year builtnewer than19023% of homes6% of homes

About 428 Richards St

How much is 428 Richards St, Geneva, IL worth?

The TopHap Estimate for 428 Richards St, Geneva, IL is $376,841 as of Jul 14, 2026. The likely range is $343,708 to $409,974. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 428 Richards St, Geneva, IL last sell?

428 Richards St, Geneva, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 428 Richards St, Geneva, IL?

428 Richards St, Geneva, IL has 3 bedrooms, 1 bathrooms, 1,116 square feet of living space and a 0.15-acre lot.

When was 428 Richards St, Geneva, IL built?

428 Richards St, Geneva, IL was built in 1902, making it 124 years old. The building has 1 story.

What schools serve 428 Richards St, Geneva, IL?

428 Richards St, Geneva, IL is assigned to Geneva High School (high), rated B+; Williamsburg Elementary School (elementary), rated A; Geneva Middle School North (middle), rated A. All sit in Geneva Community Unit School District 304. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 428 Richards St, Geneva, IL compare to other homes in Geneva 60134?

Among the 10,364 homes in Geneva 60134, it is worth more than 14% of them ($376,841 against a typical $548,438), its price per square foot is higher than 88% of them ($338 against a typical $250), it is bigger than 7% of them (1,116 ft² against a typical 2,182 ft²), its lot is bigger than 9% of them (0.15 ac against a typical 0.25 ac) and it is newer than 3% of them (1902 against a typical 1990). Measured against all of Kane County, it is worth more than 50% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 428 Richards St, Geneva, IL?

The 2025 property tax bill for 428 Richards St, Geneva, IL was $7,035. The county assessed it at $105,403.

More homes on Richards St

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