968 Spruce St, Winnetka, IL 60093 Property Records

Cook County property record for 968 Spruce St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	5 bd · 6.5 ba · 3,591 sqft · built 2022
Lot Size	0.215 acres (9,350 sqft)
Owner	Individual Name on File
Last Sale	$2,090,000 (Nov 2021)
Tax Bill	$38,576 (2023)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Nov 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-20-205-006`

Property Details

APN / Parcel Number

Primary APN	`05-20-205-006`
Alternative APN	`05-20-205-006-0000`

Interior

Bedrooms	5 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,591 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Wood
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	Central
Heating System	HVAC

Location & Zoning

Street Address	968 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	19,18
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	5
Census Block	5014
Census Tract	800500

Owner

968 Spruce St is owned and occupied by an individual who bought it in November 2021.

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	968 SPRUCE ST, WINNETKA, IL 60093-2217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 17, 2021	Quit Claim Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Oct 21, 2020	Warranty Deed, Transfer SATURN TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2021 · Amount on File
Deed Sale	Nov 17, 2021 · Amount on File
Prior Sale	Oct 21, 2020 · Amount on File
Deed Document Number	202121290
Prior Transfer Date	Nov 11, 2021
Prior Transfer Doc	0000021289
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Nov 17, 2021
Property Address	968 SPRUCE ST, WINNETKA, IL 60093-2217
Document Number	0032121290
Instrument Date	Nov 12, 2021
Instrument	2132121290
Transaction Type	Transfer
Record Updated	Dec 2, 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	$2,090.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	968 SPRUCE ST, WINNETKA, IL 60093-2217

Mortgage

Document Number	0032121291
Date	Nov 17, 2021
Instrument	2132121291

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Nov 17, 2021
Property Address	968 SPRUCE ST, WINNETKA, IL 60093-2217
Document Number	0032121289
Instrument Date	Nov 11, 2021
Instrument	2132121289
Transaction Type	Transfer
Record Updated	Dec 2, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1416 EDGEWOOD LN, WINNETKA, IL 60093-1414

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Oct 21, 2020
Property Address	968 SPRUCE ST, WINNETKA, IL 60093-2217
Document Number	2029515033
Instrument Date	Aug 25, 2020
Instrument	29515033
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	SATURN TITLE LLC

Transaction

Amount	Amount on Record
Tax	$953.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1416 EDGEWOOD LN WINNETKA IL 600931414, WINNETKA, IL 60093-1414

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		$221,920 Land $30,388 Building $191,532	$2,219,200 Land $303,880 Building $1,915,320
2023	$38,576.00 (+4.15%)
2022	$37,040.00	$169,712 Land $25,712 Building $144,000	$1,697,120 Land $257,120 Building $1,440,000

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 968 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 968 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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