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654 N Spaulding Ave, Chicago, IL 60624 Property Records

Cook County property record for 654 N Spaulding Ave, Chicago, IL 60624

Property Summary

Property TypeApartments (5+ Units)
Details6 bd · 2 ba · 2,536 sqft · built 1913
Lot Size0.086 acres (3,750 sqft)
OwnerIndividual Name on Record
Last Sale$105,000 (Jul 2015)
Tax Bill$5,012 (2023)
Deeds & MortgagesAug 2026 Mortgage
Nov 2025 Mortgage
Flood ZoneZone X (minimal risk)
APN16-11-213-026

Property Details

APN / Parcel Number

Primary APN16-11-213-026
Alternative APN
  • 16-11-213-026-0000

Interior

Bedrooms6 Beds
Full Baths2 Baths
Total Rooms10 Rooms
Units2 Units
Stories2 Stories
Building Area2,536 sqft Living Area

Exterior

Year BuiltBuilt 1913
Effective Year BuiltEffective 1915
Architectural StyleMulti-Family
Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Roof MaterialTar & Gravel
Lot Area3,750 sqft (0.086 acres)
Garage TypeDetached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHot Water

Location & Zoning

Street Address654 N SPAULDING AVE
CityCHICAGO
StateIL
Zip60624-1538
Property CategoryResidential
Property TypeResidential > Multi-Unit > Apartments (5+ Units)
Local Zoning CodeRS-3
Legal Description(PHINNEYS) SUB OF SW NE NE SEC 11-39-13
Legal Range13E
Legal Township39N
Legal Section11
Legal SubdivisionPHINNEYS SUB
Legal Block1
Legal Lot Number2,3
JurisdictionCOOK IL
Township / Civil DivisionCHICAGO
Census Block Group1
Census Block1014
Census Tract836700

Owner

Source: Cook County records, as of August 28, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address654 N SPAULDING AVE, CHICAGO, IL 60624-1538
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 20, 2026Deed of Trust, Mortgage · Conventional Mortgage
NFS LOANS INC
Nov 3, 2025Deed of Trust, Mortgage · Conventional Mortgage
ILOAN LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 16, 2015 · Amount on Record
Deed SaleJul 16, 2015 · Amount on Record
Prior SaleMar 10, 2015 · Amount on Record
Deed Document Number201513050
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOOK IL
Recording DateAug 20, 2026
Property Address654 N SPAULDING AVE, CHICAGO, IL 60624-1538
Document Number0000030013
Instrument DateJun 17, 2026
Instrument202630013
Transaction TypeMortgage
Record UpdatedSep 9, 2026
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000030013,
DateAug 20, 2026
Instrument202630013
Lender
NameNFS LOANS INC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2056
Interest
Rate TypeAdjustable Rate
Rate8.38%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOOK IL
Property Address654 N SPAULDING AVE, CHICAGO, IL 60624-1538
Transaction TypeMortgage
Record UpdatedNov 18, 2025
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address850 N SPAULDING AVE, CHICAGO, IL 60651-4133

Mortgage

Document Number0030724197
DateNov 3, 2025
Instrument2530724197
Lender
NameILOAN LLC
TypeMortgage Company
AddressCHICAGO, IL 60622
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2055
Interest
Rate TypeFixed Rate
Rate7.5%

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyCook County
MunicipalityChicago City
Unified School DistrictChicago Public School District 299 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$28,001 (+3.71%) Land $5,438 Building $22,563$280,010 (+3.71%) Land $54,380 Building $225,630
2023$5,012.00 (+3.36%)
2022$4,849.00 Homeowner's exemption$26,999 Land $4,406 Building $22,593$269,990 Land $44,060 Building $225,930

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemCHICAGO
serves 2,721,308 people · EPA ID IL0316000
Water SourceSurface water
Last State InspectionMar 2026
Lead6 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 1,001 locations within half a mile, as of December 31, 2025

ProviderMax 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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