Cook County property record for 892 Spruce St, Winnetka, IL 60093
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,234 sqft · built 1916 |
| Lot Size | 0.215 acres (9,350 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $19,649 (2023) |
| Deeds & Mortgages | Mar 2022 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-20-206-012 |
| Primary APN | 05-20-206-012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,234 sqft Living Area |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1917 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 9,350 sqft (0.215 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 892 SPRUCE ST |
|---|---|
| City | WINNETKA |
| State | IL |
| Zip | 60093-2219 |
| 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 | 5 |
| Jurisdiction | COOK IL |
| Township / Civil Division | NEW TRIER |
| Census Block Group | 5 |
| Census Block | 5015 |
| Census Tract | 800500 |
892 Spruce St is owned and occupied by an individual who acquired it in December 2009.
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 | Individual Name on File |
|---|---|
| Mailing Address | 892 SPRUCE ST, WINNETKA, IL 60093-2219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NOTRE DAME FCU |
| Nov 13, 2020 | Deed of Trust, Mortgage NOTRE DAME FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 8, 2009 |
| Transfer Doc | 0000034002 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 892 SPRUCE ST, WINNETKA, IL 60093-2219 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0008206356 |
|---|---|
| Date | Mar 23, 2022 |
| Instrument | 2208206356 |
| Name | NOTRE DAME FCU |
|---|---|
| Type | Credit Union |
| Address | NOTRE DAME, IN 46556 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Apr 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.25% |
| Index | 1-Year CMT |
| Max Rate | 8.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 892 SPRUCE ST, WINNETKA, IL 60093-2219 |
| Document Number | 2100813203 |
| Instrument Date | Nov 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 892 SPRUCE ST WINNETKA IL 600932219, WINNETKA, IL 60093-2219 |
| Document Number | 2100813203 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 813203 |
| Name | NOTRE DAME FCU |
|---|---|
| Type | Credit Union |
| Address | NOTRE DAME, IN 46556-7878 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jan 7, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
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 |
| Secondary School District | New Trier Township High School District 203 (09 - 12) |
| Elementary School District | Winnetka School District 36 (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $107,001 Land $30,388 Building $76,613 | $1,070,010 Land $303,880 Building $766,130 | |
| 2023 | $19,649.00 (-1.98%) | ||
| 2022 | $20,045.00 Homeowner's exemption | $97,999 Land $25,712 Building $72,287 | $979,990 Land $257,120 Building $722,870 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 892 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.
The area around 892 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.
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 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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