873 Spruce St, Winnetka, IL 60093 Property Records

Cook County property record for 873 Spruce St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,637 sqft · built 2004
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$1,760,000 (Dec 2021)
Tax Bill	$40,339 (2023)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-20-201-021`

Property Details

APN / Parcel Number

Primary APN	`05-20-201-021`
Alternative APN	`05-20-201-021-0000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,637 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Other
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	873 SPRUCE ST
City	WINNETKA
State	IL
Zip	60093-2218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(PROVIDENT)(MUTUAL)(ASSOCIATION) SUB OF BLKS7-12 & 28 -33 & 54-59 IN VILLAGE OF WINNETKA IN WH NE SEC 20-42-13
Legal Range	13E
Legal Township	42N
Legal Section	20
Legal Subdivision	PROVIDENT MUTUAL ASSOCIATION
Legal Block	7-12
Legal Lot Number	16,17
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	5
Census Block	5000
Census Tract	800500

Owner

873 Spruce St is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	873 SPRUCE ST, WINNETKA, IL 60093-2218
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 16, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
Oct 13, 2020	Deed of Trust, Mortgage BAXTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2021 · Amount on File
Deed Sale	Dec 16, 2021 · Amount on File
Prior Sale	May 16, 2013 · Amount on File
Deed Document Number	202112312
Prior Transfer Date	Oct 5, 2012
Prior Transfer Doc	0000048005
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Dec 16, 2021
Property Address	873 SPRUCE ST, WINNETKA, IL 60093-2218
Document Number	0035012312
Instrument Date	Nov 22, 2021
Instrument	2135012312
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,760.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	873 SPRUCE ST, WINNETKA, IL 60093-2218

Mortgage

Document Number	0035012313
Date	Dec 16, 2021
Instrument	2135012313

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	4.75%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	873 SPRUCE ST, WINNETKA, IL 60093-2218
Document Number	2032207300
Instrument Date	Oct 13, 2020
Transaction Type	Mortgage
Record Updated	Dec 4, 2020
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	873 SPRUCE ST WINNETKA IL 600932218, WINNETKA, IL 60093-2218

Mortgage

Document Number	2032207300
Date	Nov 17, 2020
Instrument	32207300

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 16, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.37%

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		$215,001 Land $35,393 Building $179,608	$2,150,010 Land $353,930 Building $1,796,080
2023	$40,339.00 (+6.22%)
2022	$37,976.00 Homeowner's exemption	$173,999 Land $29,947 Building $144,052	$1,739,990 Land $299,470 Building $1,440,520

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 873 Spruce St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1980.

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
Flood Insurance Cost	Premium on File median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	14 (1980–2016)
Claims Outside the SFHA	4 of 14
Most Recent Claim	Jul 2016 · river or lake flooding

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 873 Spruce 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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