Cook County property record for 85 Locust Rd, Winnetka, IL 60093
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,512 sqft · built 1916 |
| Lot Size | 0.154 acres (6,700 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $850,000 (Sep 2011) |
| Tax Bill | $12,147 (2023) |
| Deeds & Mortgages | Sep 2026 Line of Credit Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-29-200-013 |
| Primary APN | 05-29-200-013 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,512 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Construction Type | Frame |
| Roof Material | Other |
| Lot Area | 6,700 sqft (0.154 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Water Source | Commercial |
| Street Address | 85 LOCUST RD |
|---|---|
| City | WINNETKA |
| State | IL |
| Zip | 60093-3752 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Range | 13E |
| Legal Township | 42N |
| Legal Section | 29 |
| Legal Subdivision | BRADFORD & PORTERS ADD/KENILW |
| Legal Block | 1 |
| Legal Lot Number | 13-15 |
| Jurisdiction | COOK IL |
| Township / Civil Division | NEW TRIER |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 800700 |
Source: Cook County records, as of October 7, 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 Record |
|---|---|
| Mailing Address | 85 LOCUST RD, WINNETKA, IL 60093-3752 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 30, 2026 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK |
| Sep 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Dec 23, 2019 | Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK |
| Sep 26, 2019 | Deed of Trust, Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 2011 · Amount on Record |
| Deed Sale | Sep 7, 2011 · Amount on Record |
| Prior Sale | Apr 20, 2004 · Amount on Record |
| Deed Document Number | 201144036 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Sep 30, 2026 |
| Property Address | 85 LOCUST RD, WINNETKA, IL 60093-3752 |
| Document Number | 0000026079 |
| Instrument Date | Sep 21, 2026 |
| Instrument | 202627326079 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 85 LOCUST RD, WINNETKA, IL 60093-3752 |
| Document Number | 0000026079, |
|---|---|
| Date | Sep 30, 2026 |
| Instrument | 202627326079 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 21, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 85 LOCUST RD, WINNETKA, IL 60093-3752 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2021 |
| Title Company | N TITLE COMPANY, SNP TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0027210472 |
|---|---|
| Date | Sep 29, 2021 |
| Instrument | 2127210472 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate | 3.12% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 85 LOCUST RD, WINNETKA, IL 60093-3752 |
| Document Number | 2000915188 |
| Instrument Date | Dec 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 85 LOCUST RD WINNETKA IL 600933752, WINNETKA, IL 60093-3752 |
| Document Number | 2000915188 |
|---|---|
| Date | Jan 9, 2020 |
| Instrument | 915188 |
| Name | TCF NAT'L BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 8, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 85 LOCUST RD, WINNETKA, IL 60093-3752 |
| Document Number | 1932916026 |
| Instrument Date | Sep 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 85 LOCUST RD WINNETKA IL 600933752, WINNETKA, IL 60093-3752 |
| Document Number | 1932916026 |
|---|---|
| Date | Nov 25, 2019 |
| Instrument | 32916026 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 24, 2049 |
| Rate | 3.87% |
|---|
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 | $115,000 (+68.33%) Land $12,730 Building $102,270 | $1,150,000 (+68.33%) Land $127,300 Building $1,022,700 | |
| 2023 | $12,147.00 (-5.21%) | ||
| 2022 | $12,815.00 Homeowner's exemption | $68,320 Land $9,380 Building $58,940 | $683,200 Land $93,800 Building $589,400 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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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