982 Elm St, Winnetka, IL 60093 Property Records

Cook County property record for 982 Elm St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,490 sqft · built 1917
Lot Size	0.215 acres (9,350 sqft)
Owner	Individual Name on File
Last Sale	$652,000 (Nov 2012)
Tax Bill	$24,269 (2023)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-20-209-003`

Property Details

APN / Parcel Number

Primary APN	`05-20-209-003`
Alternative APN	`05-20-209-003-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,490 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1918
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,350 sqft (0.215 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	982 ELM ST
City	WINNETKA
State	IL
Zip	60093-2207
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	8
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	5
Census Block	5017
Census Tract	800500

Owner

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	982 ELM ST, WINNETKA, IL 60093-2207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Dec 21, 2017	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK
Nov 10, 2017	Deed of Trust, Mortgage HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2012 · Amount on File
Deed Sale	Nov 27, 2012 · Amount on File
Prior Sale	Dec 15, 1995 · Amount on File
Deed Document Number	20124015
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	982 ELM ST, WINNETKA, IL 60093-2207
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008549058
Date	Mar 26, 2021
Instrument	2108549058

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	982 ELM ST, WINNETKA, IL 60093-2207
Document Number	1803342001
Instrument Date	Dec 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	982 ELM ST WINNETKA IL 600932207, WINNETKA, IL 60093-2207

Mortgage

Document Number	1803342001
Date	Feb 2, 2018
Instrument	3342001

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	982 ELM ST, WINNETKA, IL 60093-2207
Document Number	1733441042
Instrument Date	Nov 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	982 ELM ST WINNETKA IL 600932207, WINNETKA, IL 60093-2207

Mortgage

Document Number	1733441042
Date	Nov 30, 2017
Instrument	33441042

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.15%

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		$116,001 (+7.41%) Land $30,388 Building $85,613	$1,160,010 (+7.41%) Land $303,880 Building $856,130
2023	$24,269.00 (+6.33%)
2022	$22,824.00 Homeowner's exemption	$107,999 Land $25,712 Building $82,287	$1,079,990 Land $257,120 Building $822,870

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

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

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.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures