1069 Spruce St, Winnetka, IL 60093 Property Records

Cook County property record for 1069 Spruce St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,571 sqft · built 1942
Lot Size	0.244 acres (10,620 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,050,000 (Aug 2007)
Tax Bill	$28,281 (2023)
Deeds & Mortgages	Apr 2021 Line of Credit Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-20-102-018`

Property Details

APN / Parcel Number

Primary APN	`05-20-102-018`
Alternative APN	`05-20-102-018-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,571 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	10,620 sqft (0.244 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1069 SPRUCE ST
City	WINNETKA
State	IL
Zip	60093-2169
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	2
Legal Lot Number	18,19
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	5
Census Block	5003
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	1069 SPRUCE ST, WINNETKA, IL 60093-2169
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MTG
Jun 1, 2018	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BK NA
Dec 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2007 · Amount on Record
Deed Sale	Aug 29, 2007 · Amount on Record
Deed Document Number	200755027
Last Transfer Date	Jul 12, 2024
Transfer Doc	0000018142
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1069 SPRUCE ST, WINNETKA, IL 60093-2169
Transaction Type	Mortgage
Record Updated	Apr 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1069 SPRUCE ST, WINNETKA, IL 60093-2169

Mortgage

Document Number	0009720357
Date	Apr 7, 2021
Instrument	2109720357

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 24, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.55%
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1069 SPRUCE ST, WINNETKA, IL 60093-2169
Document Number	2029917337
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 11, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1069 SPRUCE ST WINNETKA IL 600932169, WINNETKA, IL 60093-2169

Mortgage

Document Number	2029917337
Date	Oct 27, 2020
Instrument	29917337

Lender

Name	DRAPER & KRAMER MTG
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 26, 2030

Interest

Rate Type	Fixed Rate
Rate	2.5%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1069 SPRUCE ST, WINNETKA, IL 60093-2169
Document Number	1816449114
Instrument Date	Jun 1, 2018
Transaction Type	Mortgage
Record Updated	Jun 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1069 SPRUCE ST WINNETKA IL 600932169, WINNETKA, IL 60093-2169

Mortgage

Document Number	1816449114
Date	Jun 13, 2018
Instrument	16449114

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.34%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1069 SPRUCE ST, WINNETKA, IL 60093-2169
Document Number	1735357098
Instrument Date	Dec 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	ATTORNEY'S TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1069 SPRUCE ST WINNETKA IL 600932169, WINNETKA, IL 60093-2169

Mortgage

Document Number	1735357098
Date	Dec 19, 2017
Instrument	35357098

Lender

Name	DRAPER & KRAMER MTG
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 18, 2027

Interest

Rate Type	Fixed Rate
Rate	3.5%

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		$165,000 (+27.96%) Land $34,515 Building $130,485	$1,650,000 (+27.96%) Land $345,150 Building $1,304,850
2023	$28,281.00 (+3.23%)
2022	$27,395.00 Homeowner's exemption	$128,943 Land $29,205 Building $99,738	$1,289,430 Land $292,050 Building $997,380

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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