2446 W Thomas St, Chicago, IL 60622 Property Records

Cook County property record for 2446 W Thomas St, Chicago, IL 60622

Property Summary

Property Type	Apartments (5+ Units)
Details	5 bd · 4 ba · 2,994 sqft · built 1890
Lot Size	0.069 acres (3,000 sqft)
Owner	Individual Name on File
Last Sale	$900,000 (Jul 2025)
Tax Bill	$17,025 (2023)
Deeds & Mortgages	Feb 2025 Construction Loan Jul 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-01-407-028`

Property Details

APN / Parcel Number

Primary APN	`16-01-407-028`
Alternative APN	`16-01-407-028-0000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,994 sqft Living Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1912
Architectural Style	Multi-Family
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,000 sqft (0.069 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2446 W THOMAS ST
City	CHICAGO
State	IL
Zip	60622-3531
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	RT-4
Legal Description	(GROSS) (SECOND) (HUMBOLDT) PARK ADD TO CHICAGO SUB O F SH & S 25 FT OF NH NE NE SE SEC 01-39-13
Legal Range	13E
Legal Township	39N
Legal Section	01
Legal Subdivision	GROSS SECOND HUMBOLDT
Legal Lot Number	37
Jurisdiction	COOK IL
Township / Civil Division	CHICAGO
Census Block Group	1
Census Block	1006
Census Tract	242500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Chicago Park Boulevard System Historic District listed 2018 · 3,052 contributing resources · NRIS 12000040

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

2446 W Thomas St, a residential property, is owned and occupied by an individual who bought it in July 2025.

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

Owner of Record	Individual Name on File
Mailing Address	2446 W THOMAS ST, CHICAGO, IL 60622-3531
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Feb 21, 2025	Deed of Trust, Mortgage · Construction Mortgage CORNERSTONE NATIONAL BANK & TRUST CO
Jul 25, 2025	Deed, Transfer · Conventional Mortgage WATERMAN BANK
Dec 13, 2024	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2025 · Amount on File
Deed Sale	Jul 25, 2025 · Amount on File
Deed Document Number	202523017
Prior Transfer Date	Oct 7, 2020
Prior Transfer Doc	0000016174
Record Updated	Sep 20, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	2446 W THOMAS ST, CHICAGO, IL 60622-3531
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1055 NIMCO DR E, CRYSTAL LAKE, IL 60014-1732

Mortgage

Document Number	0005230255
Date	Feb 21, 2025
Instrument	2505230255

Lender

Name	CORNERSTONE NATIONAL BANK & TRUST CO
Type	Bank
Address	CRYSTAL LAKE, IL 60014

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	COOK IL
Recording Date	Jul 25, 2025
Property Address	2446 W THOMAS ST, CHICAGO, IL 60622-3531
Document Number	0020623017
Instrument Date	Jun 26, 2025
Instrument	2520623017
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2446 W THOMAS ST, CHICAGO, IL 60622-3531

Mortgage

Document Number	0020623018
Date	Jul 25, 2025
Instrument	2520623018

Lender

Name	WATERMAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2055

Interest

Rate Type	Fixed Rate
Rate	7.12%

December 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COOK IL
Recording Date	Dec 13, 2024
Property Address	2446 W THOMAS ST, CHICAGO, IL 60622-3531
Document Number	0034802273
Instrument Date	Nov 19, 2024
Instrument	2434802273
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1941 W DIVISION ST, CHICAGO, IL 60622-3148

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	1055 NIMCO DR STE E, E, CRYSTAL LAKE, IL 60014-1732

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		$94,000 Land $16,800 Building $77,200	$940,000 Land $168,000 Building $772,000
2023	$17,025.00 (+2.89%)
2022	$16,547.00 Homeowner's exemption	$80,450 Land $13,500 Building $66,950	$804,500 Land $135,000 Building $669,500

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 2446 W Thomas St 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 2446 W Thomas 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 1,062 locations within half a mile, as of December 31, 2025

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

May also be available: Zentro.

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