1046 Pine St, Winnetka, IL 60093 Property Records

Cook County property record for 1046 Pine St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,427 sqft · built 1986
Lot Size	0.21 acres (9,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,240,000 (Apr 2023)
Tax Bill	$22,263 (2023)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-20-103-002`

Property Details

APN / Parcel Number

Primary APN	`05-20-103-002`
Alternative APN	`05-20-103-002-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,427 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1987
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Other
Lot Area	9,150 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1046 PINE ST
City	WINNETKA
State	IL
Zip	60093-2024
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	9
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	5
Census Block	5002
Census Tract	800500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	819 OAKWOOD AVE, LAKE FOREST, IL 60045-1716
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2023 · Amount on Record
Deed Sale	Apr 26, 2023 · Amount on Record
Deed Document Number	202328070
Prior Transfer Date	Oct 30, 1995
Prior Transfer Doc	0000000756
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Apr 26, 2023
Property Address	1046 PINE ST, WINNETKA, IL 60093-2024
Document Number	0011628070
Instrument Date	Apr 21, 2023
Instrument	2311628070
Transaction Type	Transfer
Record Updated	May 5, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1046 PINE ST, WINNETKA, IL 60093-2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	819 OAKWOOD AVE, LAKE FOREST, IL 60045-1716

Mortgage

Document Number	0011628071
Date	Apr 26, 2023
Instrument	2311628071

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	May 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.2%
Index	Other
Margin	3
Max Rate	10.2%

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		$136,001 (+33.34%) Land $29,738 Building $106,263	$1,360,010 (+33.34%) Land $297,380 Building $1,062,630
2023	$22,263.00 (+6.43%)
2022	$20,917.00	$101,999 Land $25,162 Building $76,837	$1,019,990 Land $251,620 Building $768,370

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

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 Record 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

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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