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3227 N Opal Ave, Chicago, IL 60634 Property Records

Cook County property record for 3227 N Opal Ave, Chicago, IL 60634

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,064 sqft · built 1961
Lot Size0.086 acres (3,750 sqft)
OwnerIndividual Name on File
Last Sale$185,000 (Aug 2016)
Tax Bill$5,423 (2023)
Deeds & MortgagesNov 2021 Mortgage
Nov 2018 Line of Credit
Flood ZoneZone X (minimal risk)
APN12-24-327-009

Property Details

APN / Parcel Number

Primary APN12-24-327-009
Alternative APN
  • 12-24-327-009-0000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,064 sqft Living Area
1st Floor Area1,064 sqft

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1963
Architectural StyleBungalow
Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Roof MaterialAsphalt
Lot Area3,750 sqft (0.086 acres)
Garage TypeDetached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address3227 N OPAL AVE
CityCHICAGO
StateIL
Zip60634-3042
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-2
Legal DescriptionJOHN J (RUTHERFORDS)(FIFTH) ADD TO (MONT)(CLAIRE) SUB OF S OF IBL EH WH SW SEC 24-40-12
Legal Range12E
Legal Township40N
Legal Section24
Legal SubdivisionRUTHERFORDS FIFTH ADD TO MONT CLAIRE
Legal Block8
Legal Lot Number28
JurisdictionCOOK IL
Township / Civil DivisionCHICAGO
Census Block Group2
Census Block2008
Census Tract170700

Owner

3227 N Opal Ave is owned and occupied by an individual who bought it in August 2016.

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

Owner of RecordIndividual Name on File
Mailing Address3227 N OPAL AVE, CHICAGO, IL 60634-3042
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 15, 2021Intrafamily Transfer, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Nov 3, 2018Deed of Trust, Mortgage · Line of Credit
US BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 10, 2016 · Amount on File
Deed SaleAug 10, 2016 · Amount on File
Prior SaleApr 29, 2015
Deed Document Number201610118
Prior Transfer DateJul 20, 2016
Prior Transfer Doc0000010118
Record UpdatedOct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCOOK IL
Recording DateNov 15, 2021
Property Address3227 N OPAL AVE, CHICAGO, IL 60634-3042
Document Number0031908137
Instrument DateNov 2, 2021
Instrument2131908137
Transaction TypeTransfer
Record UpdatedNov 30, 2021
Title CompanyNATIONAL TITLE SOLUTIONS INC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3227 N OPAL AVE, CHICAGO, IL 60634-3042

Mortgage

Document Number0031908138
DateNov 15, 2021
Instrument2131908138
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2051
Interest
Rate TypeFixed Rate
Rate2.75%

November 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOOK IL
Property Address3227 N OPAL AVE, CHICAGO, IL 60634-3042
Document Number1833042125
Instrument DateNov 3, 2018
Transaction TypeMortgage
Record UpdatedDec 4, 2018
Title CompanySOLIDIFI US INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address3227 N OPAL AVE CHICAGO IL 606343042, CHICAGO, IL 60634-3042

Mortgage

Document Number1833042125
DateNov 26, 2018
Instrument33042125
Lender
NameUS BK
TypeBank
AddressCINCINNATI, OH 45202
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueNov 25, 2048
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyCook County
MunicipalityChicago City
Unified School DistrictChicago Public School District 299 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$32,000 Land $9,375 Building $22,625$320,000 Land $93,750 Building $226,250
2023$5,423.00 (+3.02%)
2022$5,264.00 Homeowner's exemption$29,003 Land $7,503 Building $21,500$290,030 Land $75,030 Building $215,000

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 3227 N Opal Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.

Source: FEMA National Flood Hazard Layer, effective February 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (2002–2013)
Claims Outside the SFHA2 of 2
Most Recent ClaimApr 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

The area around 3227 N Opal 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 RiskNot 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 SystemCHICAGO
serves 2,721,308 people · EPA ID IL0316000
Water SourceSurface water
Last State InspectionMar 2026
Lead6 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 1,242 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 2,000
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

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