545 Locust St, Winnetka, IL 60093 Property Records

Cook County property record for 545 Locust St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,111 sqft · built 1999
Lot Size	0.215 acres (9,350 sqft)
Owner	2 Trust Names on File
Last Sale	$1,089,000 (Aug 2017)
Tax Bill	$28,654 (2023)
Deeds & Mortgages	Jul 2021 Line of Credit Jul 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-20-205-013`

Property Details

APN / Parcel Number

Primary APN	`05-20-205-013`
Alternative APN	`05-20-205-013-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,111 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,350 sqft (0.215 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	545 LOCUST ST
City	WINNETKA
State	IL
Zip	60093-2173
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	16
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	5
Census Block	5014
Census Tract	800500

Owner

545 Locust St is owner-occupied and held in a trust since August 2017.

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

Owner of Record	2 Trust Names on File
Mailing Address	545 LOCUST ST, WINNETKA, IL 60093-2173
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jul 26, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jul 29, 2025	Deed of Trust, Mortgage · Line of Credit BETTER MORTGAGE CORPORATION
Dec 3, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 4, 2017	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK
Aug 3, 2017	Warranty Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2017 · Amount on File
Deed Sale	Aug 3, 2017 · Amount on File
Prior Sale	Jul 23, 1998 · Amount on File
Deed Document Number	20174030
Prior Transfer Date	Jun 23, 2015
Prior Transfer Doc	0000050037
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	545 LOCUST ST, WINNETKA, IL 60093-2173
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020701256
Date	Jul 26, 2021
Instrument	2120701256

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	545 LOCUST ST, WINNETKA, IL 60093-2173
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021020205
Date	Jul 29, 2025
Instrument	2521020205

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	354 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COOK IL
Recording Date	Dec 3, 2025
Property Address	545 LOCUST ST, WINNETKA, IL 60093-2173
Document Number	0033702118
Instrument Date	Dec 2, 2025
Instrument	2533702118
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 LOCUST ST, WINNETKA, IL 60093-2173

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	545 LOCUST ST, WINNETKA, IL 60093-2173

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	545 LOCUST ST, WINNETKA, IL 60093-2173
Document Number	1731749027
Instrument Date	Nov 4, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	545 LOCUST ST WINNETKA IL 600932173, WINNETKA, IL 60093-2173

Mortgage

Document Number	1731749027
Date	Nov 13, 2017
Instrument	31749027

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Aug 3, 2017
Property Address	545 LOCUST ST, WINNETKA, IL 60093-2173
Document Number	1721504030
Instrument Date	Jul 20, 2017
Instrument	21504030
Transaction Type	Transfer
Record Updated	Aug 18, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,089.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	545 LOCUST ST WINNETKA IL 600932173, WINNETKA, IL 60093-2173

Mortgage

Document Number	1721504031
Date	Aug 3, 2017
Instrument	21504031

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Mortgage

Document Number	1721504032,
Date	Aug 3, 2017
Instrument	21504032

Lender

Name	EVERGREEN BK GRP
Type	Bank
Address	OAK BROOK, IL 60523

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 2, 2037

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		$157,001 Land $30,388 Building $126,613	$1,570,010 Land $303,880 Building $1,266,130
2023	$28,654.00 (+6.31%) Homeowner's exemption	$126,913 (-) Land $25,712 Building $101,201	$1,269,130 (-) Land $257,120 Building $1,012,010
2022	$26,952.00 Homeowner's exemption	$126,913 Land $25,712 Building $101,201	$1,269,130 Land $257,120 Building $1,012,010

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 545 Locust 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 545 Locust 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 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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