404 W Surf St, Chicago, IL 60657 Property Records

Cook County property record for 404 W Surf St, Chicago, IL 60657

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,473 sqft · built 1953
Lot Size	0.037 acres (1,614 sqft)
Owner	Trust Name on File
Last Sale	$860,000 (Dec 2024)
Tax Bill	$11,538 (2023)
Deeds & Mortgages	Jul 2022 Sale Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-28-118-036`

Property Details

APN / Parcel Number

Primary APN	`14-28-118-036`
Alternative APN	`14-28-118-036-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Units	6 Units
Stories	2 Stories
Building Area	1,473 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1955
Architectural Style	Modern
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Tar & Gravel
Lot Area	1,614 sqft (0.037 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	404 W SURF ST
City	CHICAGO
State	IL
Zip	60657-6106
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RM-6.5
Legal Description	(CONSOLIDATION) OF LTS23-24, E33FT LT22, W10FT LT B & STRIP 6.69FT ON EAST LINE & 4.5FT ON WEST LINE LYING NORTH OF N LINE SU
Legal Range	14E
Legal Township	40N
Legal Section	28
Legal Subdivision	ADJ SD
Legal Block	2
Legal Lot Number	22-24
Jurisdiction	COOK IL
Township / Civil Division	CHICAGO
Census Block Group	2
Census Block	2000
Census Tract	63302

Historic Designation

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

Historic District	Within the Lincoln Park listed 1994 · 81 contributing resources · NRIS 94001029

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

Owner

404 W Surf St, a townhouse, is owner-occupied and held in a trust since December 2024.

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

Owner of Record	Trust Name on File
Mailing Address	404 W SURF ST, CHICAGO, IL 60657-6106
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

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 19, 2022	Warranty Deed, Transfer CHICAGO TITLE COMPANY
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 1, 2017	Warranty Deed, Transfer JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2024 · Amount on File
Deed Sale	Dec 18, 2024 · Amount on File
Prior Sale	Jul 19, 2022 · Amount on File
Deed Document Number	202430015
Prior Transfer Date	Mar 21, 2016
Prior Transfer Doc	0000040001
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jul 19, 2022
Property Address	404 W SURF ST, CHICAGO, IL 60657-6106
Document Number	0020016039
Map Reference	DOC 15130489
Instrument Date	May 12, 2022
Instrument	2220016039
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$810.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 W SURF ST, CHICAGO, IL 60657-6106

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	404 W SURF ST, CHICAGO, IL 60657-6106
Transaction Type	Mortgage
Record Updated	May 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006321227
Date	Mar 4, 2021
Instrument	2106321227

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2041

Interest

Rate	2.25%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	404 W SURF ST, CHICAGO, IL 60657-6106
Document Number	2031544081
Instrument Date	Oct 3, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	404 W SURF ST CHICAGO IL 606576106, CHICAGO, IL 60657-6106

Mortgage

Document Number	2031544081
Date	Nov 10, 2020
Instrument	31544081

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 9, 2040

Interest

Rate	2.62%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Nov 1, 2017
Property Address	404 W SURF ST, CHICAGO, IL 60657-6106
Document Number	1730504104
Instrument Date	Oct 19, 2017
Instrument	30504104
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$721.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	404 W SURF ST CHICAGO IL 606576106, CHICAGO, IL 60657-6106

Mortgage

Document Number	1730504105
Date	Nov 1, 2017
Instrument	30504105

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.87%

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		$80,000 Land $20,014 Building $59,986	$800,000 Land $200,140 Building $599,860
2023	$11,538.00 (+2.78%)
2022	$11,226.00 Homeowner's exemption	$58,000 Land $9,684 Building $48,316	$580,000 Land $96,840 Building $483,160

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 404 W Surf 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 404 W Surf 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 310 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

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

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