738 Oak St, Winnetka, IL 60093 Property Records

Cook County property record for 738 Oak St, Winnetka, IL 60093

Property Summary

Property Type	Condominium
Details	3 bd · 1,726 sqft · built 1969
Lot Size	1.16 acres (50,712 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Aug 2023)
Tax Bill	$7,462 (2023)
Deeds & Mortgages	Jun 2026 Transfer Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-21-115-013-1009`

Property Details

APN / Parcel Number

Primary APN	`05-21-115-013-1009`

Interior

Bedrooms	3 Beds
Building Area	1,726 sqft Living Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Condo/Apartment
Lot Area	50,712 sqft

Location & Zoning

Street Address	738 OAK ST
City	WINNETKA
State	IL
Zip	60093-2521
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Range	13E
Legal Township	42N
Legal Section	21
Legal Subdivision	OAK LANE CONDOMINIUM SEC 21-42-13
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	2
Census Block	2021
Census Tract	800400

Owner

738 Oak St, a condominium, is owned by two individuals who bought it in August 2023.

Source: Cook County records, as of July 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1118 WESTERN RUN RD, COCKEYSVILLE, MD 21030-1138
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Aug 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Mar 5, 2018	Deed of Trust, Mortgage · Conventional with PMI WINTRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2023 · Amount on File
Deed Sale	Aug 16, 2023 · Amount on File
Prior Sale	Oct 28, 1999 · Amount on File
Deed Document Number	202328148
Prior Transfer Date	Oct 10, 2001
Prior Transfer Doc	0000016336
Record Updated	Oct 29, 2026

June 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	COOK IL
Recording Date	Jun 30, 2026
Property Address	738 OAK ST, WINNETKA, IL 60093-2521
Document Number	0000028221
Instrument Date	Nov 20, 2025
Instrument	202628221
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 WESTERN RUN RD, COCKEYSVILLE, MD 21030-1138

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	738 OAK ST, WINNETKA, IL 60093-2521
Transaction Type	Mortgage
Record Updated	Aug 25, 2023
Title Company	PROPERTY TITLE, PROPER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 WESTERN RUN RD, COCKEYSVILLE, MD 21030-1138

Mortgage

Document Number	0022828151
Date	Aug 16, 2023
Instrument	2322828151

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

Interest

Rate	6.25%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	738 OAK ST, WINNETKA, IL 60093-2521
Document Number	1807201030
Instrument Date	Mar 5, 2018
Transaction Type	Mortgage
Record Updated	Mar 22, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	738 OAK ST WINNETKA IL 600932521, WINNETKA, IL 60093-2521

Mortgage

Document Number	1807201030
Date	Mar 13, 2018
Instrument	7201030

Lender

Name	WINTRUST MTG
Type	Mortgage Company
Address	ROSEMONT, IL 60018

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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		$49,577 Land $11,647 Building $37,930	$495,770 Land $116,470 Building $379,300
2023	$7,462.00 (+6.84%)
2022	$6,984.00	$38,156 Land $14,234 Building $23,922	$381,560 Land $142,340 Building $239,220

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 738 Oak St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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	6 in force
Nearby Flood Claims	3 (1979–2016)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2016 · 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.

Wildfire

The area around 738 Oak 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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