646 Prospect Ave, Winnetka, IL 60093 Property Records

Cook County property record for 646 Prospect Ave, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 6,135 sqft · built 1898
Lot Size	0.43 acres (18,750 sqft)
Owner	Individual Name on Record
Last Sale	$3,250,000 (May 2026)
Tax Bill	$64,218 (2023)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-17-417-014`

Property Details

APN / Parcel Number

Primary APN	`05-17-417-014`
Alternative APN	`05-17-417-014-0000`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	6,135 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1899
Architectural Style	Multi-Level
Exterior Material	Stucco
Roof Material	Asphalt
Lot Area	18,750 sqft (0.43 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	646 PROSPECT AVE
City	WINNETKA
State	IL
Zip	60093-2320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(SUBDIVISION) OF LT 7 IN BLK 7 IN PARK ADD TO WINNETK A A SUB IN SECS 16,17 & 20 SEC 17-42-13
Legal Range	13E
Legal Township	42N
Legal Section	17
Legal Subdivision	PARK ADD
Legal Block	7
Legal Lot Number	7
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	1
Census Block	1021
Census Tract	800400

Owner

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	Individual Name on Record
Mailing Address	646 PROSPECT AVE, WINNETKA, IL 60093-2320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2026 · Amount on Record
Deed Sale	May 12, 2026 · Amount on Record
Prior Sale	Aug 24, 2012 · Amount on Record
Deed Document Number	20262349
Transfer Doc	0000000945
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	May 12, 2026
Property Address	646 PROSPECT AVE, WINNETKA, IL 60093-2320
Document Number	0000002349
Instrument Date	May 5, 2026
Instrument	2026.2349
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$492,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	646 PROSPECT AVE, WINNETKA, IL 60093-2320
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000023,
Date	May 12, 2026
Instrument	2026.132.2026.132.23

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.25%
Initial Type	Fixed Rate
Max Rate	-1%

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		$346,000 (+24.91%) Land $50,625 Building $295,375	$3,460,000 (+24.91%) Land $506,250 Building $2,953,750
2023	$64,218.00 (+6.22%)
2022	$60,456.00	$277,000 Land $61,875 Building $215,125	$2,770,000 Land $618,750 Building $2,151,250

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

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	7 in force
Nearby Flood Claims	8 (1980–2019)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Jul 2019 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims

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

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 239 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
AT&T Fixed Wireless	100 / 20