2103 S Harding Ave, Chicago, IL 60623 Property Records

Cook County property record for 2103 S Harding Ave, Chicago, IL 60623

Property Summary

Property Type	Apartments (5+ Units)
Details	4 bd · 2 ba · 2,354 sqft · built 1908
Lot Size	0.085 acres (3,685 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Mar 2017)
Tax Bill	$2,117 (2023)
Deeds & Mortgages	May 2020 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-23-318-014`

Property Details

APN / Parcel Number

Primary APN	`16-23-318-014`
Alternative APN	`16-23-318-014-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,354 sqft Living Area

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1910
Architectural Style	Multi-Family
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	3,685 sqft (0.085 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	2103 S HARDING AVE
City	CHICAGO
State	IL
Zip	60623-2457
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	RT-4
Legal Description	(DOWNINGS) SUB OF LTS 7-14 KEDZIES SUB IN SW SEC 23-39-13
Legal Range	13E
Legal Township	39N
Legal Section	23
Legal Subdivision	DOWNINGS SUB
Legal Lot Number	7-14
Jurisdiction	COOK IL
Township / Civil Division	CHICAGO
Census Block Group	2
Census Block	2014
Census Tract	292400

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	2103 S HARDING AVE, CHICAGO, IL 60623-2457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Deed of Trust, Mortgage · FHA Mortgage NEIGHBORHOOD LOANS
Mar 24, 2017	Warranty Deed, Transfer · FHA Mortgage DRAPER & KRAMER MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2017 · Amount on Record
Deed Sale	Mar 24, 2017 · Amount on Record
Prior Sale	Feb 17, 2011 · Amount on Record
Deed Document Number	20176237
Prior Transfer Date	May 25, 2016
Prior Transfer Doc	0000034045
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	2103 S HARDING AVE, CHICAGO, IL 60623-2457
Document Number	2020216003
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 3, 2020
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TITLE PTRS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 S HARDING AVE CHICAGO IL 606232457, CHICAGO, IL 60623-2457

Mortgage

Document Number	2020216003
Date	Jul 20, 2020
Instrument	20216003

Lender

Name	NEIGHBORHOOD LOANS
Type	Funding / Finance Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Mar 24, 2017
Property Address	2103 S HARDING AVE, CHICAGO, IL 60623-2457
Document Number	1708306237
Instrument Date	Mar 22, 2017
Instrument	8306237
Transaction Type	Transfer
Record Updated	Apr 4, 2017
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4334 W CERMAK RD CHICAGO IL 606232901, CHICAGO, IL 60623-2901

Mortgage

Document Number	1708306238
Date	Mar 24, 2017
Instrument	8306238

Lender

Name	DRAPER & KRAMER MTG
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

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		$25,000 (+150.03%) Land $5,343 Building $19,657	$250,000 (+150.03%) Land $53,430 Building $196,570
2023	$2,117.00 (+2.62%)
2022	$2,063.00	$9,999 Land $4,329 Building $5,670	$99,990 Land $43,290 Building $56,700

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

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 Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And 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

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 875 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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