Cook County property record for 657 Spruce St, Winnetka, IL 60093 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 4.5 Baths |
| Year Built | Built 1894 |
| Square Footage | 4,171 sqft Living Area |
| Lot Size | 16,549 sqft (0.38 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $2,330,000 (2022) |
| Tax Bill | $32,295.00 (2023) |
Source: Cook County records · APN 05-21-102-013
Assessment roll updated May 27, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 657 SPRUCE ST, WINNETKA, IL 60093-2328 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Vesting | Owner is a Trust, Trust |
| Date | Document |
|---|---|
| Nov 15, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Aug 09, 2022 | Warranty Deed, Transfer · Conventional Mortgage OLD SECOND NATIONAL BANK |
| Sep 27, 2017 | Deed of Trust, Mortgage BANK OF AMERICA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 09, 2022 · Amount on Record |
| Deed Sale | Aug 09, 2022 · Amount on Record |
| Prior Sale | Jul 23, 2010 · Amount on Record |
| Deed Doc Number | 202213119 |
| Last Transfer Date | Nov 09, 2022 |
| Transfer Doc | 0000055031 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Nov 15, 2022 |
| Property Address | 657 SPRUCE ST, WINNETKA, IL 60093-2328 |
| Document Number | 0031955031 |
| Instrument Date | Nov 09, 2022 |
| Instrument | 2231955031 |
| Transaction Type | Transfer |
| Record Updated | May 08, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 657 SPRUCE ST, WINNETKA, IL 60093-2328 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Aug 09, 2022 |
| Property Address | 657 SPRUCE ST, WINNETKA, IL 60093-2328 |
| Document Number | 0022113119 |
| Instrument Date | Jul 21, 2022 |
| Instrument | 2222113119 |
| Transaction Type | Transfer |
| Record Updated | May 08, 2026 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,330.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 657 SPRUCE ST, WINNETKA, IL 60093-2328 |
| Document Number | 0022113120 |
|---|---|
| Date | Aug 09, 2022 |
| Instrument | 2222113120 |
| Name | OLD SECOND NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Sep 01, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 5.87% |
| Index | Other |
| Max Rate | 8.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 657 SPRUCE ST, WINNETKA, IL 60093-2328 |
| Document Number | 1727746330 |
| Instrument Date | Sep 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 657 SPRUCE ST WINNETKA IL 600932328, WINNETKA, IL 60093-2328 |
| Document Number | 1727746330 |
|---|---|
| Date | Oct 04, 2017 |
| Instrument | 27746330 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 101 S TRYON ST, CHARLOTTE, NC 28280-0002 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 03, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified August 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 | $242,000 (+63.24%) Land $44,682 Building $197,318 | $2,420,000 (+63.24%) Land $446,820 Building $1,973,180 | |
| 2023 | $32,295.00 (+2.17%) | ||
| 2022 | $31,609.00 Homeowner's exemption | $148,250 Land $54,611 Building $93,639 | $1,482,500 Land $546,110 Building $936,390 |
Source: FEMA National Flood Hazard Layer, Cook County (17031C), updated February 11, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 05-21-102-013 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 10 Rooms |
| Building Area | 4,171 sqft Living Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1894 |
|---|---|
| Effective Year Built | Effective 1894 |
| Exterior Material | Wood Exterior |
| Construction Type | Frame Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 16,549 sqft (0.38 acres) |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Sewage | Storm Sewage |
| Water Source | Commercial Water Source |
| Street Address | 657 SPRUCE ST |
|---|---|
| City | WINNETKA |
| State | IL |
| Zip | 60093-2328 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | (WINNETKA) SUB IN SEC20 & SEC 21-42-13 |
| Legal Range | 13E |
| Legal Township | 42N |
| Legal Section | 21 |
| Legal Subdivision | WINNETKA SUB |
| Legal Block | 3 |
| Jurisdiction | COOK IL |
| Minor Civil Division | NEW TRIER |
| Census Blockgroup | 2 |
| Census Block | 2004 |
| Census Tract | 800400 |
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