Cook County property record for 655 Elm St, Winnetka, IL 60093
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3.5 ba · 3,534 sqft · built 1912 |
| Lot Size | 0.36 acres (15,675 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,900,000 (Sep 2021) |
| Tax Bill | $40,034 (2023) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Apr 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-21-105-020 |
| Primary APN | 05-21-105-020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,534 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1913 |
| Exterior Material | Stucco |
| Roof Material | Asphalt |
| Lot Area | 15,675 sqft (0.36 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 655 ELM ST |
|---|---|
| City | WINNETKA |
| State | IL |
| Zip | 60093-2621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Range | 13E |
| Legal Township | 42N |
| Legal Section | 21 |
| Legal Subdivision | WINNETKA |
| Legal Block | 15 |
| Jurisdiction | COOK IL |
| Township / Civil Division | NEW TRIER |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 800400 |
Source: Cook County records · APN 05-21-105-020
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 | 655 ELM ST, WINNETKA, IL 60093-2621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 09, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Apr 07, 2020 | Deed of Trust, Mortgage JP MORGAN CHASE BK |
| Aug 24, 2019 | Deed of Trust, Mortgage JP MORGAN CHASE BK |
| Sep 14, 2018 | Deed of Trust, Mortgage · Line of Credit ASSOCIATED BK NA |
| May 24, 2018 | Warranty Deed, Transfer JP MORGAN CHASE BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 09, 2021 · Amount on Record |
| Deed Sale | Sep 09, 2021 · Amount on Record |
| Prior Sale | May 24, 2018 · Amount on Record |
| Deed Document Number | 20218141 |
| Prior Transfer Date | Oct 09, 2012 |
| Prior Transfer Doc | 0000013051 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Sep 09, 2021 |
| Property Address | 655 ELM ST, WINNETKA, IL 60093-2621 |
| Document Number | 0025208141 |
| Instrument Date | Aug 12, 2021 |
| Instrument | 2125208141 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,900.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 655 ELM ST, WINNETKA, IL 60093-2621 |
| Document Number | 0025208142 |
|---|---|
| Date | Sep 09, 2021 |
| Instrument | 2125208142 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
| Rate | 2.12% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 655 ELM ST, WINNETKA, IL 60093-2621 |
| Document Number | 2014321004 |
| Instrument Date | Apr 07, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2020 |
| Title Company | CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 655 ELM ST WINNETKA IL 600932621, WINNETKA, IL 60093-2621 |
| Document Number | 2014321004 |
|---|---|
| Date | May 22, 2020 |
| Instrument | 14321004 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | 1111 POLARIS PKWY, COLUMBUS, OH 43240-2031 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 21, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 655 ELM ST, WINNETKA, IL 60093-2621 |
| Document Number | 1927746141 |
| Instrument Date | Aug 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2019 |
| Title Company | CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 655 ELM ST WINNETKA IL 600932621, WINNETKA, IL 60093-2621 |
| Document Number | 1927746141 |
|---|---|
| Date | Oct 04, 2019 |
| Instrument | 27746141 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | 1111 POLARIS PKWY, COLUMBUS, OH 43240-2031 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 03, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 655 ELM ST, WINNETKA, IL 60093-2621 |
| Document Number | 1827149146 |
| Instrument Date | Sep 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 08, 2018 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 655 ELM ST WINNETKA IL 600932621, WINNETKA, IL 60093-2621 |
| Document Number | 1827149146 |
|---|---|
| Date | Sep 28, 2018 |
| Instrument | 27149146 |
| Name | ASSOCIATED BK NA |
|---|---|
| Address | GLENVIEW, IL 60025 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 27, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | May 24, 2018 |
| Property Address | 655 ELM ST, WINNETKA, IL 60093-2621 |
| Document Number | 1814410014 |
| Instrument Date | Mar 21, 2018 |
| Instrument | 14410014 |
| Transaction Type | Transfer |
| Record Updated | Jun 04, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,600.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 531 WASHINGTON AVE WILMETTE IL 600911967, WILMETTE, IL 60091-1967 |
| Document Number | 1814410015 |
|---|---|
| Date | May 24, 2018 |
| Instrument | 14410015 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | 1111 POLARIS PKWY, COLUMBUS, OH 43240-2031 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 23, 2048 |
Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified June 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) |
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 | $200,865 (+14.13%) Land $42,323 Building $158,542 | $2,008,650 (+14.13%) Land $423,230 Building $1,585,420 | |
| 2023 | $40,034.00 (+6.29%) | ||
| 2022 | $37,666.00 Homeowner's exemption | $175,999 Land $51,727 Building $124,272 | $1,759,990 Land $517,270 Building $1,242,720 |
Source: FEMA National Flood Hazard Layer as of February 11, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 6 in force |
| Nearby Flood Claims | 3 (1979–2016) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jul 2016 · other causes |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 387 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINNETKA serves 12,475 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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