Cook County property record for 1076 Oak St, Winnetka, IL 60093
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,648 sqft · built 2001 |
| Lot Size | 0.203 acres (8,850 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,530,000 (Jan 2005) |
| Tax Bill | $27,729 (2023) |
| Deeds & Mortgages | Oct 2021 Mortgage Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-20-113-007 |
| Primary APN | 05-20-113-007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,648 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 8,850 sqft (0.203 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 1076 OAK ST |
|---|---|
| City | WINNETKA |
| State | IL |
| Zip | 60093-2165 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Range | 13E |
| Legal Township | 42N |
| Legal Section | 20 |
| Legal Subdivision | GROVELAND ADD |
| Legal Block | 7 |
| Legal Lot Number | 4 |
| Jurisdiction | COOK IL |
| Township / Civil Division | NEW TRIER |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 800500 |
1076 Oak St is owned and occupied by an individual who bought it in January 2005.
Source: Cook County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1076 OAK ST, WINNETKA, IL 60093-2165 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Oct 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CHICAGO FINANCIAL SERVICES INC |
| Apr 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CHICAGO FINANCIAL SERVICES INC |
| May 20, 2020 | Deed of Trust, Mortgage CHICAGO FIN'L SVCS |
| Aug 26, 2019 | Deed of Trust, Mortgage CHICAGO FIN'L SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 4, 2005 · Amount on File |
| Deed Sale | Jan 4, 2005 · Amount on File |
| Prior Sale | Jun 3, 2002 · Amount on File |
| Deed Document Number | 20055160 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1076 OAK ST, WINNETKA, IL 60093-2165 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030047056 |
|---|---|
| Date | Oct 27, 2021 |
| Instrument | 2130047056 |
| Name | CHICAGO FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | CHICAGO, IL 60642 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.12% |
| Type Change Date | Nov 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.12% |
| Index | 1-Month LIBOR |
| Margin | 3 |
| Max Rate | 7.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1076 OAK ST, WINNETKA, IL 60093-2165 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0010601200 |
|---|---|
| Date | Apr 16, 2021 |
| Instrument | 2110601200 |
| Name | CHICAGO FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | CHICAGO, IL 60642 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Type Change Date | Mar 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.37% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1076 OAK ST, WINNETKA, IL 60093-2165 |
| Document Number | 2020228012 |
| Instrument Date | May 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1076 OAK ST WINNETKA IL 600932165, WINNETKA, IL 60093-2165 |
| Document Number | 2020228012 |
|---|---|
| Date | Jul 20, 2020 |
| Instrument | 20228012 |
| Name | CHICAGO FIN'L SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | CHICAGO, IL 60642 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 19, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1076 OAK ST, WINNETKA, IL 60093-2165 |
| Document Number | 1924916059 |
| Instrument Date | Aug 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1076 OAK ST WINNETKA IL 600932165, WINNETKA, IL 60093-2165 |
| Document Number | 1924916059 |
|---|---|
| Date | Sep 6, 2019 |
| Instrument | 24916059 |
| Name | CHICAGO FIN'L SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | CHICAGO, IL 60642 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 5, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
Source: Cook County assessment roll, as of May 27, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $163,001 Land $28,763 Building $134,238 | $1,630,010 Land $287,630 Building $1,342,380 | |
| 2023 | $27,729.00 (+6.32%) | ||
| 2022 | $26,081.00 Homeowner's exemption | $122,922 Land $24,337 Building $98,585 | $1,229,220 Land $243,370 Building $985,850 |
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.
FEMA maps place 1076 Oak St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 101 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 101 in force |
| Nearby Flood Claims | 68 (1987–2022) |
| Claims Outside the SFHA | 6 of 68 |
| Most Recent Claim | Jul 2022 · other causes |
| Claims by Event |
|
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.
The area around 1076 Oak 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 363 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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