970 Oak St, Winnetka, IL 60093 Property Records

Cook County property record for 970 Oak St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,942 sqft · built 2000
Lot Size	0.176 acres (7,650 sqft)
Owner	Individual Name on File
Last Sale	$1,355,000 (May 2008)
Tax Bill	$25,579 (2023)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-20-214-009`

Property Details

APN / Parcel Number

Primary APN	`05-20-214-009`
Alternative APN	`05-20-214-009-0000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,942 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	7,650 sqft (0.176 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	970 OAK ST
City	WINNETKA
State	IL
Zip	60093-2423
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	1
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	4
Census Block	4001
Census Tract	800500

Owner

970 Oak St is owned and occupied by an individual who bought it in May 2008.

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

Owner of Record	Individual Name on File
Mailing Address	970 OAK ST, WINNETKA, IL 60093-2423
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2008 · Amount on File
Deed Sale	May 7, 2008 · Amount on File
Prior Sale	Aug 26, 1997 · Amount on File
Deed Document Number	200833141
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	970 OAK ST, WINNETKA, IL 60093-2423
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005512250
Date	Feb 24, 2021
Instrument	2105512250

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.37%
Index	1-Year LIBOR
Max Rate	7.37%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	970 OAK ST, WINNETKA, IL 60093-2423
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024547111
Date	Sep 2, 2021
Instrument	2124547111

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	4%
Index	1-Month LIBOR
Margin	3
Max Rate	7%

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		$163,001 Land $24,863 Building $138,138	$1,630,010 Land $248,630 Building $1,381,380
2023	$25,579.00 (-1.9%)
2022	$26,074.00 Homeowner's exemption	$122,889 Land $21,037 Building $101,852	$1,228,890 Land $210,370 Building $1,018,520

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 970 Oak St in Zone X, an area of minimal flood risk, though there have been 68 flood claims nearby since 1987.

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 101 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	101 in force
Nearby Flood Claims	68 (1987–2022)
Claims Outside the SFHA	6 of 68
Most Recent Claim	Jul 2022 · other causes
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 4 claims Severe Storms And Flooding, Sep 2008 · 8 claims Severe Storms & Flooding, Aug 1987 · 2 claims

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 970 Oak 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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