1644 W Surf St, Chicago, IL 60657 Property Records

Cook County property record for 1644 W Surf St, Chicago, IL 60657

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,170 sqft · built 2006
Lot Size	0.076 acres (3,318 sqft)
Owner	Individual Name on File
Last Sale	$1,910,000 (Aug 2018)
Tax Bill	$35,380 (2023)
Deeds & Mortgages	Jan 2020 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-30-224-043`

Property Details

APN / Parcel Number

Primary APN	`14-30-224-043`
Alternative APN	`14-30-224-043-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	4,170 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2008
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Tar & Gravel
Lot Area	3,318 sqft (0.076 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1644 W SURF ST
City	CHICAGO
State	IL
Zip	60657-3599
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD 930
Legal Subdivision	ESTATES/COLUMBIA PLACE
Legal Lot Number	5
Jurisdiction	COOK IL
Township / Civil Division	CHICAGO
Census Block Group	1
Census Block	1011
Census Tract	62600

Owner

1644 W Surf St is owned and occupied by an individual who bought it in August 2018.

Source: Cook County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	1644 W SURF ST, CHICAGO, IL 60657-3599
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 23, 2020	Deed of Trust, Mortgage JP MORGAN CHASE BK
Aug 1, 2018	Warranty Deed, Transfer JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2018 · Amount on File
Deed Sale	Aug 1, 2018 · Amount on File
Prior Sale	Oct 24, 2007 · Amount on File
Deed Document Number	201847156
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1644 W SURF ST, CHICAGO, IL 60657-3599
Document Number	2003708194
Instrument Date	Jan 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 20, 2020
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1644 W SURF ST CHICAGO IL 606573599, CHICAGO, IL 60657-3599

Mortgage

Document Number	2003708194
Date	Feb 6, 2020
Instrument	3708194

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	111 POLARIS PKWY, COLUMBUS, OH 43240

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Aug 1, 2018
Property Address	1644 W SURF ST, CHICAGO, IL 60657-3599
Document Number	1821347156
Instrument Date	Jul 7, 2018
Instrument	21347156
Transaction Type	Transfer
Record Updated	Aug 8, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,910.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1644 W SURF ST CHICAGO IL 606573599, CHICAGO, IL 60657-3599

Mortgage

Document Number	1821347157
Date	Aug 1, 2018
Instrument	21347157

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	1111 POLARIS PKWY, COLUMBUS, OH 43240-2031

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2048

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		$212,000 Land $51,429 Building $160,571	$2,120,000 Land $514,290 Building $1,605,710
2023	$35,380.00 (+2.65%)
2022	$34,468.00 Homeowner's exemption	$171,000 Land $41,475 Building $129,525	$1,710,000 Land $414,750 Building $1,295,250

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

FEMA maps place 1644 W Surf St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

Source: FEMA National Flood Hazard Layer, effective February 11, 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	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2007 · river or lake flooding

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

The area around 1644 W Surf St 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 1,294 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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