4640 S Emerald Ave, Chicago, IL 60609 Property Records

Cook County property record for 4640 S Emerald Ave, Chicago, IL 60609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,748 sqft · built 1993
Lot Size	0.071 acres (3,100 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Apr 1995)
Tax Bill	$5,841 (2023)
Deeds & Mortgages	Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-04-326-029`

Property Details

APN / Parcel Number

Primary APN	`20-04-326-029`
Alternative APN	`20-04-326-029-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,748 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1995
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,100 sqft (0.071 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	4640 S EMERALD AVE
City	CHICAGO
State	IL
Zip	60609-4412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	MARIA (LAMBS) SUB OF LT 12 & E 8 FT OF LT 14 OF ASSES SORS DIV OF SW SEC 04-38-14
Legal Range	14E
Legal Township	38N
Legal Section	04
Legal Subdivision	LAMBS SUB
Legal Block	2
Legal Lot Number	12,14
Jurisdiction	COOK IL
Township / Civil Division	CHICAGO
Census Block Group	4
Census Block	4018
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	4640 S EMERALD AVE, CHICAGO, IL 60609-4412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 1995 · Amount on Record
Deed Sale	Apr 3, 1995 · Amount on Record
Deed Document Number	1995928
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	4640 S EMERALD AVE, CHICAGO, IL 60609-4412
Document Number	1933155125
Instrument Date	Nov 5, 2019
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4640 S EMERALD AVE CHICAGO IL 606094412, CHICAGO, IL 60609-4412

Mortgage

Document Number	1933155125
Date	Nov 27, 2019
Instrument	33155125

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 26, 2024

Interest

Rate Type	Adjustable Rate
Rate	3.49%

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		$32,000 (+3.23%) Land $1,860 Building $30,140	$320,000 (+3.23%) Land $18,600 Building $301,400
2023	$5,841.00 (+2.98%)
2022	$5,672.00 (+1.94%) Homeowner's exemption	$31,000 (-) Land $3,100 Building $27,900	$310,000 (-) Land $31,000 Building $279,000
2021	$5,564.00 Homeowner's exemption	$31,000 Land $3,100 Building $27,900	$310,000 Land $31,000 Building $279,000

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 457 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