786 Locust St, Winnetka, IL 60093 Property Records

Cook County property record for 786 Locust St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,930 sqft · built 1920
Lot Size	0.228 acres (9,923 sqft)
Owner	2 Trust Names on File
Last Sale	$2,095,000 (Feb 2024)
Tax Bill	$28,747 (2023)
Deeds & Mortgages	Nov 2024 Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-17-310-015`

Property Details

APN / Parcel Number

Primary APN	`05-17-310-015`
Alternative APN	`05-17-310-015-0000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,930 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1921
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,923 sqft (0.228 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	786 LOCUST ST
City	WINNETKA
State	IL
Zip	60093-1822
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(COUNTY)(CLERKS) DIVN OF SW SEC 17-42-13
Legal Range	13E
Legal Township	42N
Legal Section	17
Legal Subdivision	COUNTY CLERKS DIVN OF SW SEC 17-42-13
Legal Block	11
Legal Lot Number	2
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	1
Census Block	1026
Census Tract	800300

Owner

786 Locust St is owner-occupied and held in a trust since February 2024.

Source: Cook County records, as of May 27, 2026

Owner of Record	2 Trust Names on File
Mailing Address	786 LOCUST ST, WINNETKA, IL 60093-1822
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 26, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 15, 2019	Warranty Deed, Transfer CITIBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2024 · Amount on File
Deed Sale	Feb 26, 2024 · Amount on File
Prior Sale	Aug 15, 2019 · Amount on File
Deed Document Number	202413285
Prior Transfer Date	Jul 22, 2002
Prior Transfer Doc	0000091745
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	786 LOCUST ST, WINNETKA, IL 60093-1822
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 LOCUST ST, WINNETKA, IL 60093-1822

Mortgage

Document Number	0030922186
Date	Nov 4, 2024
Instrument	2430922186

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Nov 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.3%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.3%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Feb 26, 2024
Property Address	786 LOCUST ST, WINNETKA, IL 60093-1822
Document Number	0005713285
Instrument Date	Feb 8, 2024
Instrument	2405713285
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,095.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 LOCUST ST, WINNETKA, IL 60093-1822

Mortgage

Document Number	0005713286
Date	Feb 26, 2024
Instrument	2405713286

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Mar 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Aug 15, 2019
Property Address	786 LOCUST ST, WINNETKA, IL 60093-1822
Document Number	1922706022
Instrument Date	Jul 31, 2019
Instrument	22706022
Transaction Type	Transfer
Record Updated	Aug 22, 2019
Title Company	COLONIAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,280.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	786 LOCUST ST WINNETKA IL 600931822, WINNETKA, IL 60093-1822

Mortgage

Document Number	1922706023
Date	Aug 15, 2019
Instrument	22706023

Lender

Name	CITIBANK
Type	Bank
Address	1000 TECHNOLOGY DR, O FALLON, MO 63368-2239

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.5%

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		$207,000 Land $26,792 Building $180,208	$2,070,000 Land $267,920 Building $1,802,080
2023	$28,747.00 (+6.22%)
2022	$27,063.00 (+5.08%)	$123,999 (+24.94%) Land $32,745 Building $91,254	$1,239,990 (+24.94%) Land $327,450 Building $912,540
2021	$25,755.00	$99,243 Land $22,326 Building $76,917	$992,430 Land $223,260 Building $769,170

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 786 Locust St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2015 · 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 786 Locust 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 437 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

May also be available: T-Mobile.

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