3938 W 86th St, Chicago, IL 60652 Property Records

Cook County property record for 3938 W 86th St, Chicago, IL 60652

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,179 sqft · built 1967
Lot Size	0.087 acres (3,780 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Nov 2022)
Tax Bill	$3,826 (2023)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-35-326-020`

Property Details

APN / Parcel Number

Primary APN	`19-35-326-020`
Alternative APN	`19-35-326-020-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,179 sqft Living Area
1st Floor Area	1,179 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1969
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	3,780 sqft (0.087 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3938 W 86TH ST
City	CHICAGO
State	IL
Zip	60652-3742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	(87TH) & (CRAWFORD) (HIGHLANDS) SUB OF LTS 1-3 IN HAT ELY & BOYERS RESUB OF SH SW SEC 35-38-13
Legal Range	13E
Legal Township	38N
Legal Section	35
Legal Subdivision	TH & CRAWFORD HIGHLANDS
Legal Lot Number	1-3
Jurisdiction	COOK IL
Township / Civil Division	CHICAGO
Census Block Group	1
Census Block	1028
Census Tract	700402

Owner

3938 W 86th St is owned by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	5235 S KOSTNER AVE, CHICAGO, IL 60632-4622
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Nov 2, 2022	Warranty Deed, Transfer · FHA Mortgage THE FEDERAL SAVINGS BANK
Nov 2, 2022	Warranty Deed, Transfer SATURN TITLE LLC, SATURN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2022 · Amount on File
Deed Sale	Nov 2, 2022 · Amount on File
Prior Sale	Nov 2, 2022 · Amount on File
Deed Document Number	202245017
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Recording Date	Jul 17, 2026
Property Address	3938 W 86TH ST, CHICAGO, IL 60652-3742
Document Number	0000020191
Instrument Date	Jun 19, 2026
Instrument	202620191
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3938 W 86TH ST, CHICAGO, IL 60652-3742

Mortgage

Document Number	0000020191,
Date	Jul 17, 2026
Instrument	202620191

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	316 Months
Due	Nov 1, 2052

Interest

Rate	6.51%
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Nov 2, 2022
Property Address	3938 W 86TH ST, CHICAGO, IL 60652-3742
Document Number	0030645017
Instrument Date	Oct 18, 2022
Instrument	2230645017
Transaction Type	Transfer
Record Updated	Nov 11, 2022
Title Company	SATURN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3938 W 86TH ST, CHICAGO, IL 60652-3742

Mortgage

Document Number	0030645018
Date	Nov 2, 2022
Instrument	2230645018

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.37%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Nov 2, 2022
Property Address	3938 W 86TH ST, CHICAGO, IL 60652-3742
Document Number	0030645016
Instrument Date	Sep 1, 2022
Instrument	2230645016
Transaction Type	Transfer
Record Updated	Nov 11, 2022
Title Company	SATURN TITLE LLC, SATURN TITLE

Transaction

Amount	Amount on Record
Tax	$155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3938 W 86TH ST, CHICAGO, IL 60652-3742

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		$21,000 Land $2,268 Building $18,732	$210,000 Land $22,680 Building $187,320
2023	$3,826.00 (+2.57%)
2022	$3,730.00 (+2.25%) Homeowner's exemption	$18,000 (-) Land $3,024 Building $14,976	$180,000 (-) Land $30,240 Building $149,760
2021	$3,648.00	$18,000 Land $3,024 Building $14,976	$180,000 Land $30,240 Building $149,760

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 3938 W 86th 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 3938 W 86th 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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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