CHICAGO WATER / SEWER CERTIFICATE

The City of Chicago requires a Full Payment Certificate (FPC) for all real estate transfers. An FPC is a certificate issued by the Department of Finance indicating that all water and sewer charges and penalties associated with the property have been paid in full or are not transferable to the new owner. Completing an FPC application serves as a request to transfer service from the seller’s name to the buyer’s name.  

Without an FPC, the parties will not be able to obtain the City of Chicago Real Property Transfer Tax stamps, which are required to record the property deed with the Cook County Recorder of Deeds.  

FPC Requirements:

• A completed Full Payment Certificate Application
• A $50 fee to the City of Chicago
• One of the following documents:
  • Copy of the deed for the intended transaction (required for exempt FPC transactions)
  • Schedule A of the title commitment
  • Signed sales contract

Greater Illinois Title Company’s Special Services Department can assist Gateway Agents with this process.

Questions? Contact us: 312.264.4888 or specialservices@gitc.com

Full Payment Certificate (FPC)

What is an FPC?

The City of Chicago requires an FPC for all real estate transfers. This certificate from the Department of Finance confirms that all water and sewer charges and penalties associated with the property are paid in full or not transferable to the new owner.

Why do you need an FPC?

Without an FPC, you can’t get the City of Chicago Real Property Transfer Tax stamps needed to record the property deed.

FPC Requirements:

• Completed FPC application
• $50 fee (waived for exempt transfers)
• One of the following documents:
  • Copy of the signed deed (for exempt transfers)
  • Title commitment Schedule A
  • Signed sales contract

Getting an FPC:

• Download and complete the application. (Link or instructions can be added here)
• Applications are also available at 333 S. State St., Room 330.
• Submit completed applications by mail, email fpc@cityofchicago.orgor in person.

Processing:

• Applications are accepted from buyers, sellers, attorneys or designated agents during business hours (Monday-Friday, 8:30 AM – 4:30 PM).
• You may need to wait if additional services are required (e.g., meter reading).
• Processing takes up to 10 business days for applications submitted by email.
• Outstanding balances must be paid to complete the certification.

Additional Information:

• Applications are valid for 60 days.
• Required documents may vary. Refer to the application for details.
• Stewart Title – Greater Illinois Title Company can assist with the process (Contact: 312.264.4888 or specialservices@gitc.com).
• Stewart Title – Greater Illinois Title Company offers a Water Certificate service for a fee of $125.

*Additional proof of ownership may be requested if the seller listed on the application is not currently listed on the active account.