520 Provident Ave, Winnetka, IL 60093 Property Records

Cook County property record for 520 Provident Ave, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,696 sqft · built 2005
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on File
Last Sale	$2,100,000 (Dec 2025)
Tax Bill	$34,311 (2023)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-20-209-014`

Property Details

APN / Parcel Number

Primary APN	`05-20-209-014`
Alternative APN	`05-20-209-014-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,696 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2007
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Other
Lot Area	7,200 sqft (0.165 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	520 PROVIDENT AVE
City	WINNETKA
State	IL
Zip	60093-2431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(PROVIDENT)(MUTUAL)(ASSOCIATION) SUB OF BLKS7-12 & 28 -33 & 54-59 IN VILLAGE OF WINNETKA IN WH NE SEC 20-42-13
Legal Range	13E
Legal Township	42N
Legal Section	20
Legal Subdivision	PROVIDENT MUTUAL ASSOCIATION
Legal Block	7-12
Legal Lot Number	3
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	5
Census Block	5017
Census Tract	800500

Owner

520 Provident Ave is owned by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	642 WASHINGTON AVE, GLENCOE, IL 60022-1866
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
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 9, 2025	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 19, 2022	Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Jan 14, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 10, 2017	Warranty Deed, Transfer PRIVATEBANK & TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2025 · Amount on File
Deed Sale	Dec 9, 2025 · Amount on File
Prior Sale	May 19, 2022 · Amount on File
Deed Document Number	202522138
Prior Transfer Date	Dec 4, 2020
Prior Transfer Doc	0000006352
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	520 PROVIDENT AVE, WINNETKA, IL 60093-2431
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000342037
Date	Jan 3, 2022
Instrument	2200342037

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Nov 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.62%
Index	Other
Max Rate	7.62%

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	COOK IL
Recording Date	Dec 9, 2025
Property Address	520 PROVIDENT AVE, WINNETKA, IL 60093-2431
Document Number	0034322138
Instrument Date	Dec 1, 2025
Instrument	2534322138
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
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	520 PROVIDENT AVE, WINNETKA, IL 60093-2431

Mortgage

Document Number	0034322139
Date	Dec 9, 2025
Instrument	2534322139

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Jan 1, 2036
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.62%
Index	SOFR Average 30-Day
Margin	3
Max Rate	9.62%

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	COOK IL
Recording Date	May 19, 2022
Property Address	520 PROVIDENT AVE, WINNETKA, IL 60093-2431
Document Number	0013907128
Instrument Date	May 16, 2022
Instrument	2213907128
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Tax	$1,752.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 PROVIDENT AVE, WINNETKA, IL 60093-2431
Investor	Possibly a Property Investor

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Jan 14, 2021
Property Address	520 PROVIDENT AVE, WINNETKA, IL 60093-2431
Document Number	2101406352
Instrument Date	Dec 4, 2020
Instrument	1406352
Transaction Type	Transfer
Record Updated	Jan 22, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	520 PROVIDENT AVE WINNETKA IL 600932431, WINNETKA, IL 60093-2431

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Mar 10, 2017
Property Address	520 PROVIDENT AVE, WINNETKA, IL 60093-2431
Document Number	1706908083
Instrument Date	Feb 28, 2017
Instrument	6908083
Transaction Type	Transfer
Record Updated	Mar 22, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,335.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	520 PROVIDENT AVE WINNETKA IL 600932431, WINNETKA, IL 60093-2431

Mortgage

Document Number	1706908084
Date	Mar 10, 2017
Instrument	6908084

Lender

Name	PRIVATEBANK & TR
Type	Funding / Finance Company
Address	7103 W 111TH ST, WORTH, IL 60482-1828

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 9, 2047

Interest

Rate Type	Adjustable 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		$166,000 Land $23,400 Building $142,600	$1,660,000 Land $234,000 Building $1,426,000
2023	$34,311.00 (+6.22%)	$148,000 (-) Land $19,800 Building $128,200	$1,480,000 (-) Land $198,000 Building $1,282,000
2022	$32,301.00	$148,000 Land $19,800 Building $128,200	$1,480,000 Land $198,000 Building $1,282,000

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 520 Provident Ave 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 520 Provident Ave 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 500 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

May also be available: AT&T.

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