Cook County property record for 965 Spruce St, Winnetka, IL 60093
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 2,846 sqft · built 1886 |
| Lot Size | 0.215 acres (9,350 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,500,000 (May 2025) |
| Tax Bill | $22,697 (2023) |
| Deeds & Mortgages | Dec 2021 Line of Credit Jan 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-20-200-021 |
| Primary APN | 05-20-200-021 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,846 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1886 |
|---|---|
| Effective Year Built | Effective 1886 |
| 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 |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 965 SPRUCE ST |
|---|---|
| City | WINNETKA |
| State | IL |
| Zip | 60093-2216 |
| 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 | 24 |
| Jurisdiction | COOK IL |
| Township / Civil Division | NEW TRIER |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 800500 |
965 Spruce St is owned and occupied by two individuals who bought it in May 2025.
Source: Cook County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 965 SPRUCE ST, WINNETKA, IL 60093-2216 |
| 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.
| Date | Document |
|---|---|
| Dec 13, 2021 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jan 10, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2025 · Amount on File |
| Deed Sale | May 7, 2025 · Amount on File |
| Prior Sale | Jan 7, 2011 · Amount on File |
| Deed Document Number | 202520245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 965 SPRUCE ST, WINNETKA, IL 60093-2216 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034701086 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | 2134701086 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Jan 10, 2017 |
| Property Address | 965 SPRUCE ST, WINNETKA, IL 60093-2216 |
| Document Number | 1701019096 |
| Instrument Date | May 27, 2016 |
| Instrument | 1019096 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 965 SPRUCE ST WINNETKA IL 600932216, WINNETKA, IL 60093-2216 |
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 | $141,001 Land $30,388 Building $110,613 | $1,410,010 Land $303,880 Building $1,106,130 | |
| 2023 | $22,697.00 (+1.24%) | ||
| 2022 | $22,419.00 Homeowner's exemption | $106,140 Land $25,712 Building $80,428 | $1,061,400 Land $257,120 Building $804,280 |
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.
FEMA maps place 965 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 965 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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