12128 S Emerald Ave, Chicago, IL 60628 Property Records

Cook County property record for 12128 S Emerald Ave, Chicago, IL 60628

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 888 sqft · built 1923
Lot Size	0.106 acres (4,612 sqft)
Owner	Individual Name on File
Last Sale	$104,000 (Mar 2022)
Tax Bill	$1,732 (2024)
Deeds & Mortgages	Aug 2026 Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-28-116-031`

Property Details

APN / Parcel Number

Primary APN	`25-28-116-031`
Alternative APN	`25-28-116-031-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	888 sqft Living Area
1st Floor Area	888 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1925
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	4,612 sqft (0.106 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	12128 S EMERALD AVE
City	CHICAGO
State	IL
Zip	60628-6332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	(WEST)(PULLMAN) IN WH OF NE & NW NH SEC 28-37-14
Legal Range	14E
Legal Township	37N
Legal Section	28
Legal Subdivision	WEST PULLMAN
Legal Block	36
Legal Lot Number	12,11
Jurisdiction	COOK IL
Township / Civil Division	CHICAGO
Census Block Group	2
Census Block	2007
Census Tract	530501

Owner

12128 S Emerald Ave is owned and occupied by an individual who bought it in March 2022.

Source: Cook County records, as of September 3, 2026

Owner of Record	Individual Name on File
Mailing Address	12128 S EMERALD AVE, CHICAGO, IL 60628-6332
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK
Mar 21, 2022	Warranty Deed, Transfer · VA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2022 · Amount on File
Deed Sale	Mar 21, 2022 · Amount on File
Prior Sale	Nov 21, 2012 · Amount on File
Deed Document Number	20226095
Prior Transfer Date	May 25, 2005
Prior Transfer Doc	0000005316
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Recording Date	Aug 26, 2026
Property Address	12128 S EMERALD AVE, CHICAGO, IL 60628-6332
Document Number	0000031102
Instrument Date	Aug 15, 2026
Instrument	202631102
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12128 S EMERALD AVE, CHICAGO, IL 60628-6332

Mortgage

Document Number	0000031102,
Date	Aug 26, 2026
Instrument	202631102

Lender

Name	MAGNOLIA BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Mar 21, 2022
Property Address	12128 S EMERALD AVE, CHICAGO, IL 60628-6332
Document Number	0008006095
Instrument Date	Mar 15, 2022
Instrument	2208006095
Transaction Type	Transfer
Record Updated	Mar 30, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$104.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12128 S EMERALD AVE, CHICAGO, IL 60628-6332

Mortgage

Document Number	0008006096
Date	Mar 21, 2022
Instrument	2208006096

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate	3.62%

Mortgage

Document Number	0008006097
Date	Mar 21, 2022
Instrument	2208006097

Lender

Name	US BANK NA
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
Municipality	Chicago City
Unified School District	Chicago Public School District 299 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$8,600 Land $2,767 Building $5,833	$86,000 Land $27,670 Building $58,330
2024	$1,732.00 (+134.05%)
2023	$740.00 (+2.64%)
2022	$721.00 (+2.27%)	$3,499 (-) Land $1,844 Building $1,655	$34,990 (-) Land $18,440 Building $16,550
2021	$705.00	$3,499 Land $1,844 Building $1,655	$34,990 Land $18,440 Building $16,550

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12128 S Emerald Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 11, 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.

Wildfire

The area around 12128 S Emerald Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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	CHICAGO serves 2,721,308 people · EPA ID IL0316000
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	6 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	8 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 687 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Fiber · Cable	1,500 / 1,500
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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