Cook County property record for 638 Elder Ln, Winnetka, IL 60093
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,542 sqft · built 1921 |
| Lot Size | 0.182 acres (7,920 sqft) |
| Owner | Company Name on Record |
| Last Sale | $720,000 (Apr 2024) |
| Tax Bill | $28,284 (2023) |
| Deeds & Mortgages | Aug 2021 Mortgage Apr 2024 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-21-310-008 |
| Primary APN | 05-21-310-008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,542 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1922 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Other |
| Lot Area | 7,920 sqft (0.182 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 638 ELDER LN |
|---|---|
| City | WINNETKA |
| State | IL |
| Zip | 60093-3908 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | (GIRTON) (TERRACE) A SUB OF PT OF BLK4 LYING E OF LIN E 436.55FT E OF & PARALLEL WITH CENTER LINE OF FOREST ST IN J C GARLAND |
| Legal Range | 13E |
| Legal Township | 42N |
| Legal Section | 21 |
| Legal Subdivision | GIRTON TERRACE |
| Legal Block | 4 |
| Legal Lot Number | 3 |
| Jurisdiction | COOK IL |
| Township / Civil Division | NEW TRIER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 800500 |
Source: Cook County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 647 GARLAND AVE, WINNETKA, IL 60093-3911 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Aug 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA |
| Apr 2, 2024 | Deed, Transfer PROPER TITLE LLC |
| Jul 12, 2018 | Deed of Trust, Mortgage BMO HARRIS BK NA |
| Jul 16, 2018 | Warranty Deed, Transfer FIDELITY NATIONAL TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2024 · Amount on Record |
| Deed Sale | Apr 2, 2024 · Amount on Record |
| Prior Sale | Jul 16, 2018 · Amount on Record |
| Deed Document Number | 202423019 |
| Prior Transfer Date | Apr 2, 2004 |
| Prior Transfer Doc | 0000050069 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 638 ELDER LN, WINNETKA, IL 60093-3908 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0023608255 |
|---|---|
| Date | Aug 24, 2021 |
| Instrument | 2123608255 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Rate | 2.5% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Apr 2, 2024 |
| Property Address | 638 ELDER LN, WINNETKA, IL 60093-3908 |
| Document Number | 0009323019 |
| Instrument Date | Mar 22, 2024 |
| Instrument | 2409323019 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2026 |
| Title Company | PROPER TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $720.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 647 GARLAND AVE, WINNETKA, IL 60093-3911 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 638 ELDER LN, WINNETKA, IL 60093-3908 |
| Document Number | 1819742040 |
| Instrument Date | Jul 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2019 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 10 S LA SALLE ST #2750 CHICAGO IL 606031108, 2750, CHICAGO, IL 60603-1108 |
| Document Number | 1819742040 |
|---|---|
| Date | Jul 16, 2018 |
| Instrument | 19742040 |
| Name | BMO HARRIS BK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jul 15, 2033 |
| Rate | 4% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Jul 16, 2018 |
| Property Address | 638 ELDER LN, WINNETKA, IL 60093-3908 |
| Document Number | 1819742039 |
| Instrument Date | Apr 28, 2018 |
| Instrument | 19742039 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,100.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 10 S LA SALLE ST #2750 CHICAGO IL 606031108, 2750, CHICAGO, IL 60603-1108 |
| Investor | Possibly a Property Investor |
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 | $162,000 (+32.79%) Land $22,176 Building $139,824 | $1,620,000 (+32.79%) Land $221,760 Building $1,398,240 | |
| 2023 | $28,284.00 (+6.23%) | ||
| 2022 | $26,626.00 | $122,000 Land $21,780 Building $100,220 | $1,220,000 Land $217,800 Building $1,002,200 |
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.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 4 (2011–2021) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Oct 2021 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 285 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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