985 Spruce St, Winnetka, IL 60093 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,020 sqft · built 1923
Lot Size	0.215 acres (9,350 sqft)
Owner	Individual Name on File
Last Sale	$825,000 (May 2017)
Tax Bill	$25,965 (2023)
Deeds & Mortgages	Oct 2020 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-20-200-016`

Property Details

APN / Parcel Number

Primary APN	`05-20-200-016`
Alternative APN	`05-20-200-016-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,020 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1924
Exterior Material	Stucco
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	Hot Water

Location & Zoning

Street Address	985 SPRUCE ST
City	WINNETKA
State	IL
Zip	60093-2216
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	20
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	5
Census Block	5001
Census Tract	800500

Owner

985 Spruce St is owned and occupied by an individual who bought it in May 2017.

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	985 SPRUCE ST, WINNETKA, IL 60093-2216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
May 11, 2017	Warranty Deed, Transfer · Conventional Mortgage BMO HARRIS BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2017 · Amount on File
Deed Sale	May 11, 2017 · Amount on File
Deed Document Number	20174016
Prior Transfer Date	Mar 12, 2001
Prior Transfer Doc	0000006542
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	985 SPRUCE ST, WINNETKA, IL 60093-2216
Document Number	2032008375
Instrument Date	Oct 15, 2020
Transaction Type	Mortgage
Record Updated	Dec 3, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	985 SPRUCE ST WINNETKA IL 600932216, WINNETKA, IL 60093-2216

Mortgage

Document Number	2032008375
Date	Nov 17, 2020
Instrument	32008375

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 16, 2040

Interest

Rate Type	Fixed Rate
Rate	2.75%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	May 11, 2017
Property Address	985 SPRUCE ST, WINNETKA, IL 60093-2216
Document Number	1713104016
Instrument Date	Apr 28, 2017
Instrument	13104016
Transaction Type	Transfer
Record Updated	May 26, 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	$825.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2718 N SOUTHPORT AVE CHICAGO IL 606141230, CHICAGO, IL 60614-1230

Mortgage

Document Number	1713104017
Date	May 11, 2017
Instrument	13104017

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 10, 2047

Interest

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		$131,558 Land $30,388 Building $101,170	$1,315,580 Land $303,880 Building $1,011,700
2023	$25,965.00 (+0.33%)
2022	$25,880.00 Homeowner's exemption	$121,999 Land $25,712 Building $96,287	$1,219,990 Land $257,120 Building $962,870

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

FEMA maps place 985 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 985 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 437 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

May also be available: T-Mobile.

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