1011 Spruce St, Winnetka, IL 60093 Property Records

Cook County property record for 1011 Spruce St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 3,773 sqft · built 2001
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on File
Last Sale	$1,915,000 (Sep 2001)
Tax Bill	$34,245 (2023)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-20-103-021`

Property Details

APN / Parcel Number

Primary APN	`05-20-103-021`
Alternative APN	`05-20-103-021-0000`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,773 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	11,500 sqft (0.264 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1011 SPRUCE ST
City	WINNETKA
State	IL
Zip	60093-2144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(GROVELAND) ADD TO (WINNETKA) IN SEC 20-42-13
Legal Range	13E
Legal Township	42N
Legal Section	20
Legal Subdivision	GROVELAND ADD TO WINNETKA
Legal Block	1
Legal Lot Number	19,20
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	5
Census Block	5009
Census Tract	800500

Owner

1011 Spruce St is owned by an individual who bought it in September 2001.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 28, WINNETKA, IL 60093-0028
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Apr 2, 2019	Deed of Trust, Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2001 · Amount on File
Deed Sale	Sep 17, 2001 · Amount on File
Prior Sale	Oct 17, 2000 · Amount on File
Deed Document Number	200157292
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1011 SPRUCE ST, WINNETKA, IL 60093-2144
Transaction Type	Mortgage
Record Updated	Feb 19, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004112219
Date	Feb 10, 2021
Instrument	2104112219

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Feb 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.25%
Index	Other
Max Rate	8.25%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1011 SPRUCE ST, WINNETKA, IL 60093-2144
Document Number	1910034029
Instrument Date	Apr 2, 2019
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1011 SPRUCE ST WINNETKA IL 600932144, WINNETKA, IL 60093-2144

Mortgage

Document Number	1910034029
Date	Apr 10, 2019
Instrument	10034029

Lender

Name	GUARANTEED RATE
Address	3940 N RAVENSWOOD AVE, CHICAGO, IL 60613-2420

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	New Trier Township
Municipality	Winnetka Village
Secondary School District	New Trier Township High School District 203 (09 - 12)
Elementary School District	Winnetka School District 36 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$211,000 Land $37,375 Building $173,625	$2,110,000 Land $373,750 Building $1,736,250
2023	$34,245.00 (+6.36%)
2022	$32,198.00 Homeowner's exemption	$153,682 Land $31,625 Building $122,057	$1,536,820 Land $316,250 Building $1,220,570

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 1011 Spruce St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective February 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	14 (1980–2016)
Claims Outside the SFHA	4 of 14
Most Recent Claim	Jul 2016 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 1011 Spruce 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	WINNETKA serves 12,475 people · EPA ID IL0313330
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	8 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	None 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 437 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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