4304 S Emerald Ave, Chicago, IL 60609 Property Records

Cook County property record for 4304 S Emerald Ave, Chicago, IL 60609

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,110 sqft · built 1994
Lot Size	0.072 acres (3,125 sqft)
Owner	2 Trust Names on File
Last Sale	$125,000 (Oct 1994)
Tax Bill	$5,630 (2023)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-04-300-037`

Property Details

APN / Parcel Number

Primary APN	`20-04-300-037`
Alternative APN	`20-04-300-037-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,110 sqft Living Area
1st Floor Area	1,110 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1996
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	3,125 sqft (0.072 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4304 S EMERALD AVE
City	CHICAGO
State	IL
Zip	60609-3444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	L3 B2 FAWCETTS SUBD W1/2 SW1/4 S4 T38N R13E
Legal Range	14E
Legal Township	38N
Legal Section	04
Legal Subdivision	FAWCETTS
Legal Block	2
Legal Lot Number	3
Jurisdiction	COOK IL
Township / Civil Division	CHICAGO
Census Block Group	4
Census Block	4002
Census Tract	842600

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

4304 S Emerald Ave is owner-occupied and held in a trust since October 1994.

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

Owner of Record	2 Trust Names on File
Mailing Address	4304 S EMERALD AVE, CHICAGO, IL 60609-3444
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, 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
Aug 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 8, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 1994 · Amount on File
Deed Sale	Oct 18, 1994 · Amount on File
Deed Document Number	199445
Prior Transfer Date	Oct 6, 1994
Prior Transfer Doc	0000000045
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Recording Date	Aug 20, 2026
Property Address	4304 S EMERALD AVE, CHICAGO, IL 60609-3444
Document Number	0000023137
Instrument Date	Aug 12, 2026
Instrument	202623137
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4304 S EMERALD AVE, CHICAGO, IL 60609-3444

Mortgage

Document Number	0000023137,
Date	Aug 20, 2026
Instrument	202623137

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Rate	8.05%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COOK IL
Recording Date	Jan 8, 2026
Property Address	4304 S EMERALD AVE, CHICAGO, IL 60609-3444
Document Number	0000807012
Instrument Date	Jan 2, 2026
Instrument	2600807012
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4304 S EMERALD AVE, CHICAGO, IL 60609-3444

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4304 S EMERALD AVE, CHICAGO, IL 60609-3444

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	4304 S EMERALD AVE, CHICAGO, IL 60609-3444
Document Number	2024620111
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Sep 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4304 S EMERALD AVE CHICAGO IL 606093444, CHICAGO, IL 60609-3444

Mortgage

Document Number	2024620111
Date	Sep 2, 2020
Instrument	24620111

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2035

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		$31,000 Land $1,875 Building $29,125	$310,000 Land $18,750 Building $291,250
2023	$5,630.00 (+3%) Homeowner's exemption	$30,000 (-) Land $3,125 Building $26,875	$300,000 (-) Land $31,250 Building $268,750
2022	$5,466.00 (+1.92%) Homeowner's exemption	$30,000 (-) Land $3,125 Building $26,875	$300,000 (-) Land $31,250 Building $268,750
2021	$5,363.00 Homeowner's exemption	$30,000 Land $3,125 Building $26,875	$300,000 Land $31,250 Building $268,750

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 4304 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 4304 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 587 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
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Astound Broadband.

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