Cook County property record for 9871 S Charles St, Chicago, IL 60643
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,513 sqft · built 1947 |
| Lot Size | 0.169 acres (7,344 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Apr 2021) |
| Tax Bill | $4,936 (2023) |
| Deeds & Mortgages | May 2023 Mortgage Mar 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-07-220-047 |
| Primary APN | 25-07-220-047 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,513 sqft Living Area |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Old Style |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 7,344 sqft (0.169 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 9871 S CHARLES ST |
|---|---|
| City | CHICAGO |
| State | IL |
| Zip | 60643-1205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RT-4,RS-1 |
| Legal Description | SOUTH 36 FT N 144 FT PART OF LOTS 2 1 22 & 23 IN BLK 5 IN HILLIARD & DO BBINS FIRST ADD TO WASHINGTON H... |
| Legal Range | 14E |
| Legal Township | 37N |
| Legal Section | 07 |
| Legal Subdivision | HILLIARD & DOBBINS 01 ADD T |
| Legal Block | 5 |
| Legal Lot Number | 2 |
| Jurisdiction | COOK IL |
| Township / Civil Division | CHICAGO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 720200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Individually Listed | Ridge Historic District listed 1976 · NRIS 76000703 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
9871 S Charles St is owned and occupied by an individual who bought it in April 2021.
Source: Cook County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9871 S CHARLES ST, CHICAGO, IL 60643-1205 |
| 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.
| Date | Document |
|---|---|
| May 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Mar 31, 2022 | Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB |
| Mar 16, 2022 | Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB |
| Apr 19, 2021 | Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Feb 25, 2017 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 19, 2021 · Amount on File |
| Deed Sale | Apr 19, 2021 · Amount on File |
| Prior Sale | Oct 26, 2015 · Amount on File |
| Deed Document Number | 202139066 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 9871 S CHARLES ST, CHICAGO, IL 60643-1205 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 9871 S CHARLES ST, CALUMET PARK, IL 60643-1205 |
| Document Number | 0013516059 |
|---|---|
| Date | May 15, 2023 |
| Instrument | 2313516059 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 334 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 9871 S CHARLES ST, CHICAGO, IL 60643-1205 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 9871 S CHARLES ST, CHICAGO, IL 60643-1205 |
| Document Number | 0009021152 |
|---|---|
| Date | Mar 31, 2022 |
| Instrument | 2209021152 |
| Name | CENLAR FSB |
|---|---|
| Type | Bank |
| Address | TRENTON, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 9871 S CHARLES ST, CHICAGO, IL 60643-1205 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 9871 S CHARLES ST, CHICAGO, IL 60643-1205 |
| Document Number | 0007517003 |
|---|---|
| Date | Mar 16, 2022 |
| Instrument | 2207517003 |
| Name | CENLAR FSB |
|---|---|
| Type | Bank |
| Address | TRENTON, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Apr 19, 2021 |
| Property Address | 9871 S CHARLES ST, CHICAGO, IL 60643-1205 |
| Document Number | 0010939066 |
| Map Reference | DOC 9995696 |
| Instrument Date | Feb 23, 2021 |
| Instrument | 2110939066 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9871 S CHARLES ST, 9871, CHICAGO, IL 60643-1205 |
| Name | Verified Name |
|---|---|
| Address | 9871 S CHARLES ST, CHICAGO, IL 60643-1205 |
| Document Number | 0010939067 |
|---|---|
| Date | Apr 19, 2021 |
| Instrument | 2110939067 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 1, 2051 |
| Rate | 2.99% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 9871 S CHARLES ST, CHICAGO, IL 60643-1205 |
| Document Number | 1706646088 |
| Instrument Date | Feb 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 9871 S CHARLES ST CHICAGO IL 606431205, CHICAGO, IL 60643-1205 |
| Document Number | 1706646088 |
|---|---|
| Date | Mar 7, 2017 |
| Instrument | 6646088 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 6, 2047 |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| Municipality | Chicago City |
| Unified School District | Chicago Public School District 299 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $23,000 Land $9,180 Building $13,820 | $230,000 Land $91,800 Building $138,200 | |
| 2023 | $4,936.00 (+2.53%) | ||
| 2022 | $4,814.00 (+19.34%) Homeowner's exemption | $23,336 (-) Land $7,344 Building $15,992 | $233,360 (-) Land $73,440 Building $159,920 |
| 2021 | $4,034.00 Homeowner's exemption | $23,336 Land $7,344 Building $15,992 | $233,360 Land $73,440 Building $159,920 |
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.
FEMA maps place 9871 S Charles 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.
The area around 9871 S Charles 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 735 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Cable | 1,500 / 50 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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