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about chicago fpc - full payment certificate

May 4, 2023

Effective January 1, 2012, all property transfers in the city require a Full Payment Certificate (FPC) regardless of whether or not City of Chicago Real Property Transfer Tax Stamps are needed. This includes transactions that were previously exempt from FPCs, such as quit claim and government agency transfers.

The purpose of this change is to ensure that all property transfers in the city are properly documented and that all taxes owed to the city are paid in full. The FPC serves as proof that all taxes, fees, and charges have been paid, and it is required by the Cook County Recorder of Deeds when recording the deed.

It is important to note that while all property transfers now require an FPC, quit claim and government agency transfers will still be exempt from the $50 FPC charge. However, evidence of the FPC must still be provided when recording the deed.

To obtain an FPC, applicants must complete a new application form that reflects the recent changes in the regulations.

How long does it take to get a water certificate in Chicago?

Once 10 business days have passed, most applications will have been finalized. However, if an application has not been finalized after 10 business days, an applicant may request its status by sending an email to fpc@cityofchicago.org and including the FPC application number and/or the property address in the email.

What is a water and sewer charge full payment certification in Chicago?

A Water Certification / Full Payment Certificate (FPC) is an application for a final water bill. Once paid it is a certificate stating all water / sewer charges for a property's water account are paid. This certificate is required for all transfers of real property (deeds and ABIs) in the City of Chicago.

How do I change the name on my water bill in Chicago?

You may submit your change request by completing the Change of Owner Name/Mailing Address Form. If Utility Billing & Customer Service does not have a record of the Full Payment Certificate from your closing, you may be required to provide us with a copy of the deed and/ or full payment certificate.

How much is Chicago water monthly?

With the 2021 Chicago water rates in mind, this would mean that a resident uses about $0.41 worth of water every day. As a result, the monthly water bill would be $12.50. Since the sewer rate is 100% of the water rate, your water bill would be around $25 every month at this usage.