1076 Pine St, Winnetka, IL 60093 Property Records

Cook County property record for 1076 Pine St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,464 sqft · built 1998
Lot Size	0.21 acres (9,150 sqft)
Owner	2 Individual Names on File
Last Sale	$1,750,000 (Jul 2022)
Tax Bill	$30,760 (2023)
Deeds & Mortgages	Dec 2023 Mortgage Jan 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-20-102-024`

Property Details

APN / Parcel Number

Primary APN	`05-20-102-024`
Alternative APN	`05-20-102-024-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,464 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1999
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	9,150 sqft (0.21 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1076 PINE ST
City	WINNETKA
State	IL
Zip	60093-2043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	13E
Legal Township	42N
Legal Section	20
Legal Subdivision	BERNS
Legal Lot Number	1
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	5
Census Block	5003
Census Tract	800500

Owner

1076 Pine St is owned by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	418 STEELE ST, DENVER, CO 80206-4417
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 12, 2023	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jan 24, 2023	Deed of Trust, Mortgage · Line of Credit MORGAN STANLEY PRIVATE BANK NA
Jul 27, 2022	Warranty Deed, Transfer PROPER TITLE LLC
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 1, 2017	Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2022 · Amount on File
Deed Sale	Jul 27, 2022 · Amount on File
Prior Sale	Aug 3, 2016 · Amount on File
Deed Document Number	202212342
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1076 PINE ST, WINNETKA, IL 60093-2043
Transaction Type	Mortgage
Record Updated	Dec 22, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 STEELE ST, DENVER, CO 80206-4417

Mortgage

Document Number	0034641127
Date	Dec 12, 2023
Instrument	2334641127

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.57%
Type Change Date	Jan 1, 2034
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Margin	3
Max Rate	11.5%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1076 PINE ST, WINNETKA, IL 60093-2043
Transaction Type	Mortgage
Record Updated	Feb 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002433214
Date	Jan 24, 2023
Instrument	2302433214

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jul 27, 2022
Property Address	1076 PINE ST, WINNETKA, IL 60093-2043
Document Number	0020812342
Instrument Date	Jul 14, 2022
Instrument	2220812342
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	PROPER TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1076 PINE ST, WINNETKA, IL 60093-2043

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1076 PINE ST, WINNETKA, IL 60093-2043
Transaction Type	Mortgage
Record Updated	Aug 23, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022408033
Date	Aug 12, 2021
Instrument	2122408033

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.12%
Index	1-Year LIBOR
Max Rate	7.12%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1076 PINE ST, WINNETKA, IL 60093-2043
Document Number	1725708081
Instrument Date	Sep 1, 2017
Transaction Type	Mortgage
Record Updated	Sep 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1076 PINE ST WINNETKA IL 600932043, WINNETKA, IL 60093-2043

Mortgage

Document Number	1725708081
Date	Sep 14, 2017
Instrument	25708081

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2047

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		$185,001 Land $29,738 Building $155,263	$1,850,010 Land $297,380 Building $1,552,630
2023	$30,760.00 (+6.31%)
2022	$28,935.00	$135,999 Land $25,162 Building $110,837	$1,359,990 Land $251,620 Building $1,108,370

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

FEMA maps place 1076 Pine 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 1076 Pine 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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