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896 Spruce St, Winnetka, IL 60093 Property Records

Cook County property record for 896 Spruce St, Winnetka, IL 60093

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 1,780 sqft · built 1930
Lot Size0.218 acres (9,475 sqft)
OwnerIndividual Name on Record
Last Sale$1,019,000 (Jul 2021)
Tax Bill$20,055 (2023)
Deeds & MortgagesJul 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN05-20-206-026

Property Details

APN / Parcel Number

Primary APN05-20-206-026
Alternative APN
  • 05-20-206-026-0000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,780 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1931
Architectural StyleOld Style
Exterior MaterialStucco
Roof MaterialAsphalt
Lot Area9,475 sqft (0.218 acres)
Garage TypeDetached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHot Water

Location & Zoning

Street Address896 SPRUCE ST
CityWINNETKA
StateIL
Zip60093-2219
Property CategoryResidential
Property TypeResidential > 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 Range13E
Legal Township42N
Legal Section20
Legal SubdivisionPROVIDENT MUTUAL ASSOCIATION
Legal Block7-12
Legal Lot Number6
JurisdictionCOOK IL
Township / Civil DivisionNEW TRIER
Census Block Group5
Census Block5015
Census Tract800500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address896 SPRUCE ST, WINNETKA, IL 60093-2219
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 26, 2021 · Amount on Record
Deed SaleJul 26, 2021 · Amount on Record
Prior SaleAug 24, 2000 · Amount on Record
Deed Document Number202118002
Record UpdatedOct 29, 2026

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOOK IL
Recording DateJul 26, 2021
Property Address896 SPRUCE ST, WINNETKA, IL 60093-2219
Document Number0020718002
Instrument DateMay 21, 2021
Instrument2120718002
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,019.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address896 SPRUCE ST, WINNETKA, IL 60093-2219

Mortgage

Document Number0020718003
DateJul 26, 2021
Instrument2120718003
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2051
Interest
Rate TypeAdjustable Rate
Rate2.62%
Type Change DateAug 1, 2028
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change7.62%
IndexOther
Max Rate7.67%

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyCook County
County SubdivisionNew Trier Township
MunicipalityWinnetka Village
Secondary School DistrictNew Trier Township High School District 203 (09 - 12)
Elementary School DistrictWinnetka School District 36 (PK - 08)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$97,000 (+12.13%) Land $30,794 Building $66,206$970,000 (+12.13%) Land $307,940 Building $662,060
2023$20,055.00 (+6.22%)
2022$18,880.00 Homeowner's exemption$86,506 Land $26,056 Building $60,450$865,060 Land $260,560 Building $604,500

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

Source: FEMA National Flood Hazard Layer, effective February 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 19 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies19 in force
Nearby Flood Claims14 (1980–2016)
Claims Outside the SFHA4 of 14
Most Recent ClaimJul 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemWINNETKA
serves 12,475 people · EPA ID IL0313330
Water SourceSurface water
Last State InspectionOct 2023
Lead8 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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