964 Spruce St, Winnetka, IL 60093 Property Records

Cook County property record for 964 Spruce St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,131 sqft · built 1921
Lot Size	0.215 acres (9,350 sqft)
Owner	Individual Name on File
Last Sale	$915,000 (Oct 2020)
Tax Bill	$23,879 (2023)
Deeds & Mortgages	Oct 2020 Transfer Oct 2020 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`05-20-205-007`

Property Details

APN / Parcel Number

Primary APN	`05-20-205-007`
Alternative APN	`05-20-205-007-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,131 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1922
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,350 sqft (0.215 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	964 SPRUCE ST
City	WINNETKA
State	IL
Zip	60093-2217
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	9
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	5
Census Block	5014
Census Tract	800500

Owner

964 Spruce St is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	964 SPRUCE ST, WINNETKA, IL 60093-2217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 23, 2020	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Oct 23, 2020	Warranty Deed, Transfer WINTRUST MTG
Feb 13, 2018	Quit Claim Deed, Mortgage JP MORGAN CHASE BK
Apr 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK
Apr 24, 2017	Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK
May 22, 2017	Quit Claim Deed, Transfer CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2020 · Amount on File
Deed Sale	Oct 23, 2020 · Amount on File
Prior Sale	Feb 4, 2008 · Amount on File
Deed Document Number	20207024
Prior Transfer Date	Sep 8, 2020
Prior Transfer Doc	0000007023
Record Updated	Oct 29, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Oct 23, 2020
Property Address	964 SPRUCE ST, WINNETKA, IL 60093-2217
Document Number	2029707023
Instrument Date	Sep 8, 2020
Instrument	29707023
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 SPRUCE ST WINNETKA IL 600932217, WINNETKA, IL 60093-2217

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Oct 23, 2020
Property Address	964 SPRUCE ST, WINNETKA, IL 60093-2217
Document Number	2029707024
Instrument Date	Sep 1, 2020
Instrument	29707024
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$915.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3917 N WESTERN AVE #3N CHICAGO IL 606183754, 3N, CHICAGO, IL 60618-3754

Mortgage

Document Number	2029707025
Date	Oct 23, 2020
Instrument	29707025

Lender

Name	WINTRUST MTG
Type	Mortgage Company
Address	ROSEMONT, IL 60018

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

February 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Feb 13, 2018
Property Address	964 SPRUCE ST, WINNETKA, IL 60093-2217
Document Number	1804404038
Instrument Date	Jan 2, 2018
Instrument	4404038
Transaction Type	Mortgage
Record Updated	Feb 20, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 SPRUCE ST WINNETKA IL 600932217, WINNETKA, IL 60093-2217

Mortgage

Document Number	1804404039
Date	Feb 13, 2018
Instrument	4404039

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 12, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.25%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	964 SPRUCE ST, WINNETKA, IL 60093-2217
Document Number	1712457074
Instrument Date	Apr 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 SPRUCE ST WINNETKA IL 600932217, WINNETKA, IL 60093-2217

Mortgage

Document Number	1712457074
Date	May 4, 2017
Instrument	12457074

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 3, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	964 SPRUCE ST, WINNETKA, IL 60093-2217
Document Number	1712457075
Instrument Date	Apr 24, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 SPRUCE ST WINNETKA IL 600932217, WINNETKA, IL 60093-2217

Mortgage

Document Number	1712457075
Date	May 4, 2017
Instrument	12457075

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	420 Months
Due	May 3, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	May 22, 2017
Property Address	964 SPRUCE ST, WINNETKA, IL 60093-2217
Document Number	1714208009
Instrument Date	Apr 4, 2017
Instrument	14208009
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	964 SPRUCE ST WINNETKA IL 600932217, WINNETKA, IL 60093-2217

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		$126,001 Land $30,388 Building $95,613	$1,260,010 Land $303,880 Building $956,130
2023	$23,879.00 (+6.23%)
2022	$22,479.00 Homeowner's exemption	$102,999 Land $25,712 Building $77,287	$1,029,990 Land $257,120 Building $772,870

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 964 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 964 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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