Cook County property record for 77 Locust Rd, Winnetka, IL 60093
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 4,915 sqft · built 1959 |
| Lot Size | 0.922 acres (40,153 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,940,000 (Aug 2019) |
| Tax Bill | $32,743 (2023) |
| Deeds & Mortgages | Mar 2022 Mortgage Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 05-29-201-016 |
| Primary APN | 05-29-201-016 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,915 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 40,153 sqft (0.922 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 77 LOCUST RD |
|---|---|
| City | WINNETKA |
| State | IL |
| Zip | 60093-3752 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | COOK IL |
| Township / Civil Division | NEW TRIER |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 800700 |
77 Locust Rd is owned and occupied by two individuals who bought it in August 2019.
Source: Cook County records, as of May 27, 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 | 77 LOCUST RD, WINNETKA, IL 60093-3752 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GOLD COAST BANK CHICAGO IL |
| Nov 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GOLD COAST BANK CHICAGO IL |
| Oct 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GOLD COAST BK |
| Aug 20, 2019 | Warranty Deed, Transfer GOLD COAST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2019 · Amount on File |
| Deed Sale | Aug 20, 2019 · Amount on File |
| Prior Sale | Jun 24, 2013 · Amount on File |
| Deed Document Number | 201955162 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 77 LOCUST RD, WINNETKA, IL 60093-3752 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007306187 |
|---|---|
| Date | Mar 14, 2022 |
| Instrument | 2207306187 |
| Name | GOLD COAST BANK CHICAGO IL |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 77 LOCUST RD, WINNETKA, IL 60093-3752 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0032247075 |
|---|---|
| Date | Nov 18, 2021 |
| Instrument | 2132247075 |
| Name | GOLD COAST BANK CHICAGO IL |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 77 LOCUST RD, WINNETKA, IL 60093-3752 |
| Document Number | 2031319126 |
| Instrument Date | Oct 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 77 LOCUST RD WINNETKA IL 600933752, WINNETKA, IL 60093-3752 |
| Document Number | 2031319126 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 31319126 |
| Name | GOLD COAST BK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Aug 20, 2019 |
| Property Address | 77 LOCUST RD, WINNETKA, IL 60093-3752 |
| Document Number | 1923255162 |
| Instrument Date | Aug 13, 2019 |
| Instrument | 23255162 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,940.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 77 LOCUST RD WINNETKA IL 600933752, WINNETKA, IL 60093-3752 |
| Document Number | 1923255163 |
|---|---|
| Date | Aug 20, 2019 |
| Instrument | 23255163 |
| Name | GOLD COAST BK |
|---|---|
| Type | Bank |
| Address | 1165 N CLARK ST # 200, CHICAGO, IL 60610-7862 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 19, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
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 |
| Elementary School District | Avoca School District 37 (KG - 08) |
| Secondary School District | New Trier Township High School District 203 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $241,369 Land $76,291 Building $165,078 | $2,413,690 Land $762,910 Building $1,650,780 | |
| 2023 | $32,743.00 (-9.02%) | ||
| 2022 | $35,989.00 Homeowner's exemption | $185,675 Land $56,214 Building $129,461 | $1,856,750 Land $562,140 Building $1,294,610 |
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.
FEMA maps place 77 Locust Rd in Zone X, an area of moderate flood risk, though there have been 15 flood claims nearby since 1985.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 15 (1985–2013) |
| Claims Outside the SFHA | 7 of 15 |
| Most Recent Claim | Apr 2013 · Severe Storms, Straight-line Winds, And Flooding |
| Claims by Event |
|
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.
The area around 77 Locust Rd 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.
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 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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