3816 S Emerald Ave, Chicago, IL 60609 Property Records

Cook County property record for 3816 S Emerald Ave, Chicago, IL 60609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,561 sqft · built 1890
Lot Size	0.068 acres (2,976 sqft)
Owner	2 Individual Names on File
Last Sale	$589,000 (Apr 2026)
Tax Bill	$8,636 (2023)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-33-321-028`

Property Details

APN / Parcel Number

Primary APN	`17-33-321-028`
Alternative APN	`17-33-321-028-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,561 sqft Living Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Multi-Family
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Tar & Gravel
Lot Area	2,976 sqft (0.068 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3816 S EMERALD AVE
City	CHICAGO
State	IL
Zip	60609-1601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	(MCPHERSON) & (ALLERTONS) ADD TO (CHICAGO) BEING BLK2 5 IN CANAL TRUSTEES SUB OF SEC 33-39-14
Legal Range	14E
Legal Township	39N
Legal Section	33
Legal Subdivision	MCPHERSON & ALLERTONS ADD TO CHICAGO
Legal Block	2,5
Legal Lot Number	18
Jurisdiction	COOK IL
Township / Civil Division	CHICAGO
Census Block Group	5
Census Block	5007
Census Tract	839900

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

3816 S Emerald Ave is owned by two individuals who bought it in April 2026.

Source: Cook County records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3625 S EMERALD AVE, CHICAGO, IL 60609-1638
Owner Type	Individual
Vesting	Tenants by the Entirety

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 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Mar 10, 2020	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE
Dec 24, 2018	Grant Deed, Transfer · Line of Credit COOK CNTY LAND BK AUTHORITY
Oct 17, 2018	Grant Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on File
Deed Sale	Apr 10, 2026 · Amount on File
Prior Sale	Mar 10, 2020 · Amount on File
Deed Document Number	202616020
Prior Transfer Date	Jan 18, 1995
Prior Transfer Doc	0000000486
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	3816 S EMERALD AVE, CHICAGO, IL 60609-1601
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003906205
Date	Feb 8, 2021
Instrument	2103906205

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jan 1, 2036

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Apr 10, 2026
Property Address	3816 S EMERALD AVE, CHICAGO, IL 60609-1601
Document Number	0000016020
Instrument Date	Mar 28, 2026
Instrument	202616020
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89,233.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3625 S EMERALD AVE, CHICAGO, IL 60609-1638

Mortgage

Document Number	0000016021,
Date	Apr 10, 2026
Instrument	202610016021

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.38%
Initial Type	Fixed Rate
Max Rate	-1%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Mar 10, 2020
Property Address	3816 S EMERALD AVE, CHICAGO, IL 60609-1601
Document Number	2007013130
Instrument Date	Mar 4, 2020
Instrument	7013130
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$476.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3816 S EMERALD AVE CHICAGO IL 606091601, CHICAGO, IL 60609-1601

Mortgage

Document Number	2007013131
Date	Mar 10, 2020
Instrument	7013131

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Mar 9, 2040

Interest

Rate Type	Fixed Rate
Rate	3.37%

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	COOK IL
Recording Date	Dec 24, 2018
Property Address	3816 S EMERALD AVE, CHICAGO, IL 60609-1601
Document Number	1835845030
Instrument Date	Dec 17, 2018
Instrument	35845030
Transaction Type	Transfer
Record Updated	Jan 3, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1519 MONROE AVE RIVER FOREST IL 603051129, RIVER FOREST, IL 60305-1129

Mortgage

Document Number	1835845032
Date	Dec 24, 2018
Instrument	35845032

Lender

Name	COOK CNTY LAND BK AUTHORITY
Address	CHICAGO, IL 60602

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	COOK IL
Recording Date	Oct 17, 2018
Property Address	3816 S EMERALD AVE, CHICAGO, IL 60609-1601
Document Number	1829055067
Instrument Date	Oct 12, 2018
Instrument	29055067
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

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		$55,000 Land $16,219 Building $38,781	$550,000 Land $162,190 Building $387,810
2023	$8,636.00 (+2.85%)
2022	$8,397.00	$44,246 Land $13,094 Building $31,152	$442,460 Land $130,940 Building $311,520

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 3816 S Emerald 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.

Wildfire

The area around 3816 S Emerald 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Google Fiber.

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