4540 S Harding Ave, Chicago, IL 60632 Property Records

Cook County property record for 4540 S Harding Ave, Chicago, IL 60632

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1954
Lot Size	0.081 acres (3,510 sqft)
Owner	Individual Name on Record
Last Sale	$239,000 (Mar 2019)
Tax Bill	$3,340 (2023)
Deeds & Mortgages	Sep 2019 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-02-304-022`

Property Details

APN / Parcel Number

Primary APN	`19-02-304-022`
Alternative APN	`19-02-304-022-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1955
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,510 sqft (0.081 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4540 S HARDING AVE
City	CHICAGO
State	IL
Zip	60632-4016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	GENEVIEVE (ROMANS) RESUB EH & E 8 FT WH PART BLK 6 LY ING BETWEEN E LINE PULASKI RD AS WIDENED TO WIDTH OF 100 FT & W LINE HA
Legal Range	13E
Legal Township	38N
Legal Section	02
Legal Subdivision	JAMES GILLETTS SUB
Legal Block	6
Legal Lot Number	14
Jurisdiction	COOK IL
Township / Civil Division	CHICAGO
Census Block Group	1
Census Block	1021
Census Tract	570100

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 HARDING AVE, CHICAGO, IL 60632-4016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage SOUTH CTRL BK NA
Mar 6, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2019 · Amount on Record
Deed Sale	Mar 6, 2019 · Amount on Record
Prior Sale	Jan 27, 2012 · Amount on Record
Deed Document Number	201916131
Prior Transfer Date	Apr 29, 1998
Prior Transfer Doc	0000000518
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	4540 S HARDING AVE, CHICAGO, IL 60632-4016
Document Number	1928208195
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4540 S HARDING AVE CHICAGO IL 606324016, CHICAGO, IL 60632-4016

Mortgage

Document Number	1928208195
Date	Oct 9, 2019
Instrument	28208195

Lender

Name	SOUTH CTRL BK NA
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 8, 2034

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Mar 6, 2019
Property Address	4540 S HARDING AVE, CHICAGO, IL 60632-4016
Document Number	1906516131
Instrument Date	Mar 5, 2019
Instrument	6516131
Transaction Type	Transfer
Record Updated	Mar 14, 2019
Title Company	CHICAGO TITLE-LND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4540 S HARDING AVE CHICAGO IL 606324016, CHICAGO, IL 60632-4016

Mortgage

Document Number	1906516132
Date	Mar 6, 2019
Instrument	6516132

Lender

Name	CITIBANK
Type	Bank
Address	O'FALLON, MO 63368-2240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2049

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		$25,001 (+31.16%) Land $4,388 Building $20,613	$250,010 (+31.16%) Land $43,880 Building $206,130
2023	$3,340.00 (+3.25%)
2022	$3,235.00 (+2.28%)	$19,062 (-) Land $3,510 Building $15,552	$190,620 (-) Land $35,100 Building $155,520
2021	$3,163.00	$19,062 Land $3,510 Building $15,552	$190,620 Land $35,100 Building $155,520

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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