522 W 45th St, Chicago, IL 60609 Property Records

Cook County property record for 522 W 45th St, Chicago, IL 60609

Property Summary

Property Type	Apartments (5+ Units)
Details	4 bd · 2 ba · 1,680 sqft · built 1883
Lot Size	0.072 acres (3,125 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Nov 1994)
Tax Bill	$3,098 (2023)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-04-316-038`

Property Details

APN / Parcel Number

Primary APN	`20-04-316-038`
Alternative APN	`20-04-316-038-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,680 sqft Living Area

Exterior

Year Built	Built 1883
Effective Year Built	Effective 1885
Architectural Style	Multi-Family
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,125 sqft (0.072 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	522 W 45TH ST
City	CHICAGO
State	IL
Zip	60609-3525
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	RS-3
Legal Description	JOHN D (SCULLYS) SUB OF SH OF SW NE SW SEC 04-38-14
Legal Range	14E
Legal Township	38N
Legal Section	04
Legal Subdivision	SCULLYS SUB
Legal Lot Number	39
Jurisdiction	COOK IL
Township / Civil Division	CHICAGO
Census Block Group	1
Census Block	1016
Census Tract	610800

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

522 W 45th St, a residential property, is owned and occupied by an individual who acquired it in December 1997.

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

Owner of Record	Individual Name on File
Mailing Address	522 W 45TH ST, CHICAGO, IL 60609-3525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 20, 2025	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Jan 2, 2020	Deed of Trust, Mortgage · FHA Mortgage FEDERAL SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 1994 · Amount on File
Deed Sale	Nov 15, 1994 · Amount on File
Deed Document Number	1994494
Last Transfer Date	Dec 13, 1997
Transfer Doc	0000000682
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	522 W 45TH ST, CHICAGO, IL 60609-3525
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 W 45TH ST, CHICAGO, IL 60609-3525

Mortgage

Document Number	0029330051
Date	Oct 20, 2025
Instrument	2529330051

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	292 Months
Due	Feb 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	522 W 45TH ST, CHICAGO, IL 60609-3525
Document Number	2001046095
Instrument Date	Jan 2, 2020
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	GREATER ILLINOIS TITLE COMPANY, GIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	522 W 45TH ST CHICAGO IL 606093525, CHICAGO, IL 60609-3525

Mortgage

Document Number	2001046095
Date	Jan 10, 2020
Instrument	1046095

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

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		$21,000 Land $1,875 Building $19,125	$210,000 Land $18,750 Building $191,250
2023	$3,098.00 (+3.34%)
2022	$2,998.00 (+1.66%) Homeowner's exemption	$18,000 (-) Land $3,125 Building $14,875	$180,000 (-) Land $31,250 Building $148,750
2021	$2,949.00 Homeowner's exemption	$18,000 Land $3,125 Building $14,875	$180,000 Land $31,250 Building $148,750

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 522 W 45th 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 522 W 45th 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 862 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

May also be available: AT&T.

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