428 Elder Ln, Winnetka, IL 60093 Property Records

Cook County property record for 428 Elder Ln, Winnetka, IL 60093 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,212 sqft · built 1920
Lot Size	0.195 acres (8,500 sqft)
Owner	Individual Name on File
Last Sale	$745,000 (Jan 2020)
Tax Bill	$22,488 (2023)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-21-409-006`

Property Details

APN / Parcel Number

Primary APN	`05-21-409-006`
Alternative APN	`05-21-409-006-0000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,212 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1921
Exterior Material	Stucco
Roof Material	Asphalt
Lot Area	8,500 sqft (0.195 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	428 ELDER LN
City	WINNETKA
State	IL
Zip	60093-4251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(LAKE)(SHORE) SUB IN (WINNETKA) SUB LT1 OF NICK SIMON & OTHERS SUB & 5.00ACS N & ADJ SAID LT1 EXT TO DALES ADD ON N & LYING B
Legal Range	13E
Legal Township	42N
Legal Section	21
Legal Subdivision	LAKE SHORE SUB IN WINNETKA
Legal Block	12
Legal Lot Number	1
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	3
Census Block	3013
Census Tract	800400

Owner

Source: Cook County records · APN 05-21-409-006

Assessment roll updated May 27, 2026 · Last verified June 2026

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

Owner of Record	Individual Name on File
Mailing Address	428 ELDER LN, WINNETKA, IL 60093-4251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 09, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Jan 24, 2020	Warranty Deed, Transfer BAY EQUITY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 24, 2020 · Amount on Record
Deed Sale	Jan 24, 2020 · Amount on Record
Prior Sale	Jun 23, 1995 · Amount on Record
Deed Document Number	202047034
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	428 ELDER LN, WINNETKA, IL 60093-4251
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025207600
Date	Sep 09, 2021
Instrument	2125207600

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jan 24, 2020
Property Address	428 ELDER LN, WINNETKA, IL 60093-4251
Document Number	2002447034
Instrument Date	Jan 15, 2020
Instrument	2447034
Transaction Type	Transfer
Record Updated	Feb 11, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$745.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1734 W JULIAN ST CHICAGO IL 606222114, CHICAGO, IL 60622-2114

Mortgage

Document Number	2002447036
Date	Jan 24, 2020
Instrument	2447036

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	CORTE MADERA, CA 94925

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified June 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$161,000 (+65.98%) Land $22,950 Building $138,050	$1,610,000 (+65.98%) Land $229,500 Building $1,380,500
2023	$22,488.00 (+6.23%)
2022	$21,170.00 Homeowner's exemption	$97,000 Land $28,050 Building $68,950	$970,000 Land $280,500 Building $689,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cook County (17031C), updated February 11, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170318004003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 425 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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