524 W 118th St, Chicago, IL 60628 Property Records

Cook County property record for 524 W 118th St, Chicago, IL 60628

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,484 sqft · built 1919
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on File
Last Sale	$87,000 (Jan 2019)
Tax Bill	$532 (2022)
Deeds & Mortgages	May 2023 Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-21-324-022`

Property Details

APN / Parcel Number

Primary APN	`25-21-324-022`
Alternative APN	`25-21-324-022-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,484 sqft Living Area
1st Floor Area	1,484 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1921
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,055 sqft (0.139 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	524 W 118TH ST
City	CHICAGO
State	IL
Zip	60628-5329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Range	14E
Legal Township	37N
Legal Section	21
Legal Subdivision	HANNAH B GANOS ADD
Jurisdiction	COOK IL
Township / Civil Division	CHICAGO
Census Block Group	5
Census Block	5033
Census Tract	530200

Owner

524 W 118th St is owned and occupied by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	524 W 118TH ST, CHICAGO, IL 60628-5329
Occupancy	Owner Occupied
Owner Type	Individual

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
May 3, 2023	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 13, 2019	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
Jan 4, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Feb 8, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2019 · Amount on File
Deed Sale	Jan 4, 2019 · Amount on File
Prior Sale	Feb 8, 2018 · Amount on File
Deed Document Number	201918018
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	524 W 118TH ST, CHICAGO, IL 60628-5329
Transaction Type	Mortgage
Record Updated	May 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012329000
Date	May 3, 2023
Instrument	2312329000

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.62%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	524 W 118TH ST, CHICAGO, IL 60628-5329
Document Number	2000317131
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Jan 16, 2020
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 W 118TH ST CHICAGO IL 606285329, CHICAGO, IL 60628-5329

Mortgage

Document Number	2000317131
Date	Jan 3, 2020
Instrument	317131

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2050

Interest

Rate Type	Fixed Rate
Rate	4.25%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jan 4, 2019
Property Address	524 W 118TH ST, CHICAGO, IL 60628-5329
Document Number	1900418018
Instrument Date	Dec 17, 2018
Instrument	418018
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	LAKELAND TITLE SERVICES, LAKELAND TITLE SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 W 118TH ST CHICAGO IL 606285329, CHICAGO, IL 60628-5329

Mortgage

Document Number	1900418019
Date	Jan 4, 2019
Instrument	418019

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2049

Interest

Rate Type	Fixed Rate
Rate	5.75%

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Feb 8, 2018
Property Address	524 W 118TH ST, CHICAGO, IL 60628-5329
Document Number	1803904016
Instrument Date	Feb 1, 2018
Instrument	3904016
Transaction Type	Transfer
Record Updated	Feb 19, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$38.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2942 DORA ST FRANKLIN PARK IL 601312422, FRANKLIN PARK, IL 60131-2422

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		$10,000 Land $3,633 Building $6,367	$100,000 Land $36,330 Building $63,670
2022	$532.00 (-56%)	$6,000 (-) Land $2,422 Building $3,578	$60,000 (-) Land $24,220 Building $35,780
2021	$1,209.00	$6,000 Land $2,422 Building $3,578	$60,000 Land $24,220 Building $35,780

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 524 W 118th 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 524 W 118th 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 646 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: T-Mobile.

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