978 Cherry St, Winnetka, IL 60093 Property Records

Cook County property record for 978 Cherry St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,248 sqft · built 2001
Lot Size	0.215 acres (9,350 sqft)
Owner	Company Name on Record
Last Sale	$1,300,000 (Feb 2018)
Tax Bill	$31,306 (2023)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-20-219-004`

Property Details

APN / Parcel Number

Primary APN	`05-20-219-004`
Alternative APN	`05-20-219-004-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,248 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
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	978 CHERRY ST
City	WINNETKA
State	IL
Zip	60093-2413
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	5
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	4
Census Block	4019
Census Tract	800500

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 Record	Company Name on Record
Mailing Address	978 CHERRY ST, WINNETKA, IL 60093-2413
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2020	Warranty Deed, Transfer MORGAN STANLEY PVT BK NA
Feb 26, 2018	Warranty Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2018 · Amount on Record
Deed Sale	Feb 26, 2018 · Amount on Record
Prior Sale	Jun 7, 2001 · Amount on Record
Deed Document Number	201846298
Prior Transfer Date	Jun 7, 1994
Prior Transfer Doc	0000000438
Record Updated	Sep 20, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Oct 26, 2020
Property Address	978 CHERRY ST, WINNETKA, IL 60093-2413
Document Number	2030033079
Instrument Date	Aug 6, 2020
Instrument	30033079
Transaction Type	Transfer
Record Updated	Nov 9, 2020
Title Company	PRECISION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	978 CHERRY ST WINNETKA IL 600932413, WINNETKA, IL 60093-2413

Mortgage

Document Number	2030033081
Date	Oct 26, 2020
Instrument	30033081

Lender

Name	MORGAN STANLEY PVT BK NA
Type	Bank
Address	4270 IVY POINTE BLVD # 400, CINCINNATI, OH 45245-0003

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.5%

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Feb 26, 2018
Property Address	978 CHERRY ST, WINNETKA, IL 60093-2413
Document Number	1805746298
Instrument Date	Feb 2, 2018
Instrument	5746298
Transaction Type	Transfer
Record Updated	Mar 9, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	65 LOVELL AVE #A MILL VALLEY CA 949411892, A, MILL VALLEY, CA 94941-1892

Mortgage

Document Number	1805746299
Date	Feb 26, 2018
Instrument	5746299

Lender

Name	GUARANTEED RATE
Address	3940 N RAVENSWOOD AVE, CHICAGO, IL 60613-2420

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2048

Interest

Rate Type	Fixed Rate
Rate	3.62%

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		$185,001 (+33.72%) Land $30,388 Building $154,613	$1,850,010 (+33.72%) Land $303,880 Building $1,546,130
2023	$31,306.00 (+6.31%)
2022	$29,449.00 Homeowner's exemption	$138,353 Land $25,712 Building $112,641	$1,383,530 Land $257,120 Building $1,126,410

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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