985 Oak St, Winnetka, IL 60093 Property Records

Cook County property record for 985 Oak St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,814 sqft · built 1891
Lot Size	0.215 acres (9,350 sqft)
Owner	Individual Name on File
Last Sale	$720,000 (Jul 2017)
Tax Bill	$22,609 (2023)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-20-209-009`

Property Details

APN / Parcel Number

Primary APN	`05-20-209-009`
Alternative APN	`05-20-209-009-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,814 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1892
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,350 sqft (0.215 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	985 OAK ST
City	WINNETKA
State	IL
Zip	60093-2422
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	13
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	5
Census Block	5017
Census Tract	800500

Owner

985 Oak St is owned and occupied by an individual who bought it in July 2017.

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

Owner of Record	Individual Name on File
Mailing Address	985 OAK ST, WINNETKA, IL 60093-2422
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROPER RATE LLC
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROPER RATE LLC
Apr 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Jul 18, 2017	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2017 · Amount on File
Deed Sale	Jul 18, 2017 · Amount on File
Deed Document Number	201715082
Prior Transfer Date	May 31, 2000
Prior Transfer Doc	0000000766
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	985 OAK ST, WINNETKA, IL 60093-2422
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026546447
Date	Sep 22, 2021
Instrument	2126546447

Lender

Name	PROPER RATE LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.99%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	985 OAK ST, WINNETKA, IL 60093-2422
Document Number	2030362130
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	985 OAK ST WINNETKA IL 600932422, WINNETKA, IL 60093-2422

Mortgage

Document Number	2030362130
Date	Oct 29, 2020
Instrument	30362130

Lender

Name	PROPER RATE LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2050

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	985 OAK ST, WINNETKA, IL 60093-2422
Document Number	2010721070
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	985 OAK ST WINNETKA IL 600932422, WINNETKA, IL 60093-2422

Mortgage

Document Number	2010721070
Date	Apr 16, 2020
Instrument	10721070

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jul 18, 2017
Property Address	985 OAK ST, WINNETKA, IL 60093-2422
Document Number	1719915082
Instrument Date	Jul 6, 2017
Instrument	19915082
Transaction Type	Transfer
Record Updated	Aug 4, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	985 OAK ST WINNETKA IL 600932422, WINNETKA, IL 60093-2422

Mortgage

Document Number	1719915083
Date	Jul 18, 2017
Instrument	19915083

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

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		$123,001 Land $30,388 Building $92,613	$1,230,010 Land $303,880 Building $926,130
2023	$22,609.00 (-5.57%)
2022	$23,943.00 Homeowner's exemption	$113,125 Land $25,712 Building $87,413	$1,131,250 Land $257,120 Building $874,130

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 985 Oak 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 985 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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