1040 Spruce St, Winnetka, IL 60093 Property Records

Cook County property record for 1040 Spruce St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,015 sqft · built 1893
Lot Size	0.203 acres (8,850 sqft)
Owner	2 Individual Names on File
Last Sale	$1,350,000 (Aug 2023)
Tax Bill	$23,422 (2023)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Dec 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`05-20-107-003`

Property Details

APN / Parcel Number

Primary APN	`05-20-107-003`
Alternative APN	`05-20-107-003-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,015 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1894
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,850 sqft (0.203 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1040 SPRUCE ST
City	WINNETKA
State	IL
Zip	60093-2145
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	4
Legal Lot Number	8
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	5
Census Block	5008
Census Tract	800500

Owner

1040 Spruce St is owned by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	3111 N SEMINARY AVE, 2N, CHICAGO, IL 60657-3481
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
Aug 3, 2023	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 31, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2023 · Amount on File
Deed Sale	Aug 3, 2023 · Amount on File
Prior Sale	Aug 3, 1999 · Amount on File
Deed Document Number	202329234
Prior Transfer Date	Dec 26, 2019
Prior Transfer Doc	0000049253
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Aug 3, 2023
Property Address	1040 SPRUCE ST, WINNETKA, IL 60093-2145
Document Number	0021529234
Instrument Date	Jul 26, 2023
Instrument	2321529234
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1040 SPRUCE ST, WINNETKA, IL 60093-2145

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1040 SPRUCE ST, WINNETKA, IL 60093-2145
Investor	Possibly a Property Investor

Mortgage

Document Number	0021529235
Date	Aug 3, 2023
Instrument	2321529235

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Dec 31, 2019
Property Address	1040 SPRUCE ST, WINNETKA, IL 60093-2145
Document Number	1936549253
Instrument Date	Dec 28, 2019
Instrument	36549253
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1040 SPRUCE ST WINNETKA IL 600932145, WINNETKA, IL 60093-2145

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		$144,001 Land $28,763 Building $115,238	$1,440,010 Land $287,630 Building $1,152,380
2023	$23,422.00 (-2.95%)
2022	$24,134.00 (+37.78%)	$113,999 (+60.96%) Land $24,337 Building $89,662	$1,139,990 (+60.96%) Land $243,370 Building $896,620
2021	$17,516.00 Homeowner's exemption	$70,825 Land $15,930 Building $54,895	$708,250 Land $159,300 Building $548,950

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 1040 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 1040 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.

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures