Cook County property record for 3520 N Opal Ave, Chicago, IL 60634
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,252 sqft · built 1947 |
| Lot Size | 0.087 acres (3,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Dec 2022) |
| Tax Bill | $4,367 (2023) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage May 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-24-302-037 |
| Primary APN | 12-24-302-037 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,252 sqft Living Area |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Old Style |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 3,780 sqft (0.087 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 3520 N OPAL AVE |
|---|---|
| City | CHICAGO |
| State | IL |
| Zip | 60634-3028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-2 |
| Legal Range | 12E |
| Legal Township | 40N |
| Legal Section | 24 |
| Legal Subdivision | JOHN J RUTHERFORDS 05 ADD/MO |
| Legal Block | 2 |
| Legal Lot Number | 34 |
| Jurisdiction | COOK IL |
| Township / Civil Division | CHICAGO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 170700 |
3520 N Opal Ave is owned and occupied by two individuals who bought it in December 2022.
Source: Cook County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3520 N OPAL AVE, CHICAGO, IL 60634-3028 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 9, 2022 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| May 11, 2022 | Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2022 · Amount on File |
| Deed Sale | Dec 9, 2022 · Amount on File |
| Prior Sale | Apr 30, 2008 · Amount on File |
| Deed Document Number | 202246001 |
| Prior Transfer Date | May 4, 2022 |
| Prior Transfer Doc | 0000001002 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Dec 9, 2022 |
| Property Address | 3520 N OPAL AVE, CHICAGO, IL 60634-3028 |
| Document Number | 0034346001 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 2234346001 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3520 N OPAL AVE, CHICAGO, IL 60634-3028 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3520 N OPAL AVE, CHICAGO, IL 60634-3028 |
| Document Number | 0034346002 |
|---|---|
| Date | Dec 9, 2022 |
| Instrument | 2234346002 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.87% |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | May 11, 2022 |
| Property Address | 3520 N OPAL AVE, CHICAGO, IL 60634-3028 |
| Document Number | 0013101002 |
| Instrument | 2213101002 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3520 N OPAL AVE, CHICAGO, IL 60634-3028 |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| Municipality | Chicago City |
| Unified School District | Chicago Public School District 299 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $34,000 Land $9,450 Building $24,550 | $340,000 Land $94,500 Building $245,500 | |
| 2023 | $4,367.00 (+3.12%) | ||
| 2022 | $4,235.00 Homeowner's exemption | $24,003 Land $7,563 Building $16,440 | $240,030 Land $75,630 Building $164,400 |
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.
FEMA maps place 3520 N Opal 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.
The area around 3520 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 1,149 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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