4540 S Emerald Ave, Chicago, IL 60609 Property Records

Cook County property record for 4540 S Emerald Ave, Chicago, IL 60609

Property Summary

Property Type	Apartments (5+ Units)
Details	8 bd · 3 ba · 3,024 sqft · built 1884
Lot Size	0.067 acres (2,900 sqft)
Owner	Individual Name on Record
Tax Bill	$3,881 (2023)
Deeds & Mortgages	Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-04-318-034`

Property Details

APN / Parcel Number

Primary APN	`20-04-318-034`
Alternative APN	`20-04-318-034-0000`

Interior

Bedrooms	8 Beds
Full Baths	3 Baths
Total Rooms	14 Rooms
Units	3 Units
Stories	2 Stories
Building Area	3,024 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1885
Architectural Style	Multi-Family
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	2,900 sqft (0.067 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	4540 S EMERALD AVE
City	CHICAGO
State	IL
Zip	60609-3410
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	RS-3
Legal Description	(SOUTH) (CHICAGO) (LAND) & (BUILDING) ASSN SUB OF WH OF NH SH OF SW SEC 04-38-14
Legal Range	14E
Legal Township	38N
Legal Section	04
Legal Subdivision	SOUTH CHICAGO LAND & BUILDING
Legal Block	4
Legal Lot Number	17
Jurisdiction	COOK IL
Township / Civil Division	CHICAGO
Census Block Group	4
Census Block	4008
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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4540 S EMERALD AVE, CHICAGO, IL 60609-3410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2005
Deed Sale	Dec 6, 2005
Prior Sale	Oct 30, 1998
Deed Document Number	200549019
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	4540 S EMERALD AVE, CHICAGO, IL 60609-3410
Document Number	1722946371
Instrument Date	Jul 20, 2017
Transaction Type	Mortgage
Record Updated	Sep 5, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	15255 S 94TH AVE #604 ORLAND PARK IL 604623896, 604, ORLAND PARK, IL 60462-3896

Mortgage

Document Number	1722946371
Date	Aug 17, 2017
Instrument	22946371

Lender

Name	COUNTRYSIDE BK
Type	Bank
Address	6734 JOLIET RD, COUNTRYSIDE, IL 60525-4515

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 16, 2022

Interest

Rate Type	Adjustable Rate
Rate	5%

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		$28,140 (+29.62%) Land $1,740 Building $26,400	$281,400 (+29.62%) Land $17,400 Building $264,000
2023	$3,881.00 (+3.19%)
2022	$3,761.00 (+1.79%) Homeowner's exemption	$21,709 (-) Land $2,900 Building $18,809	$217,090 (-) Land $29,000 Building $188,090
2021	$3,695.00 Homeowner's exemption	$21,709 Land $2,900 Building $18,809	$217,090 Land $29,000 Building $188,090

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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 126 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20