988 Oak St, Winnetka, IL 60093 Property Records

Cook County property record for 988 Oak St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,745 sqft · built 1999
Lot Size	0.435 acres (18,940 sqft)
Owner	Individual Name on File
Last Sale	$1,340,500 (Sep 2000)
Tax Bill	$40,961 (2023)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-20-214-016`

Property Details

APN / Parcel Number

Primary APN	`05-20-214-016`
Alternative APN	`05-20-214-016-0000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,745 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2000
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	18,940 sqft (0.435 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	988 OAK ST
City	WINNETKA
State	IL
Zip	60093-2423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	LARKIN SUB
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	4
Census Block	4001
Census Tract	800500

Owner

988 Oak St is owned and occupied by an individual who acquired it in August 2011.

Source: Cook County records, as of August 14, 2026

Owner of Record	Individual Name on File
Mailing Address	988 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
Aug 3, 2026	Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 24, 2023	Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK
May 9, 2020	Deed of Trust, Mortgage JP MORGAN CHASE BK
Aug 15, 2018	Deed of Trust, Mortgage NORTHERN TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2000 · Amount on File
Deed Sale	Sep 14, 2000 · Amount on File
Prior Sale	Jul 15, 1999 · Amount on File
Deed Document Number	2000350
Last Transfer Date	Aug 31, 2011
Transfer Doc	0000029030
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Recording Date	Aug 3, 2026
Property Address	988 OAK ST, WINNETKA, IL 60093-2423
Document Number	0000022052
Instrument Date	Jul 29, 2026
Instrument	202622052
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212

Mortgage

Document Number	0000022052,
Date	Aug 3, 2026
Instrument	202622052

Lender

Name	FIRST AMERICAN BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2036

Interest

Rate	6.75%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	988 OAK ST, WINNETKA, IL 60093-2423
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023816038
Date	Aug 26, 2021
Instrument	2123816038

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Jun 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.37%
Index	Other
Max Rate	7.37%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	988 OAK ST, WINNETKA, IL 60093-2423
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020545196
Date	Jul 24, 2023
Instrument	2320545196

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	988 OAK ST, WINNETKA, IL 60093-2423
Document Number	2022608101
Instrument Date	May 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	988 OAK ST WINNETKA IL 600932423, WINNETKA, IL 60093-2423

Mortgage

Document Number	2022608101
Date	Aug 13, 2020
Instrument	22608101

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	1111 POLARIS PKWY, COLUMBUS, OH 43240-2031

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 12, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	988 OAK ST, WINNETKA, IL 60093-2423
Document Number	1823319307
Instrument Date	Aug 15, 2018
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	PROPER TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	988 OAK ST WINNETKA IL 600932423, WINNETKA, IL 60093-2423

Mortgage

Document Number	1823319307
Date	Aug 21, 2018
Instrument	23319307

Lender

Name	NORTHERN TR
Address	50 S LA SALLE ST, CHICAGO, IL 60603-1008

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%

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		$248,000 Land $61,555 Building $186,445	$2,480,000 Land $615,550 Building $1,864,450
2023	$40,961.00 (+6.28%)
2022	$38,539.00 Homeowner's exemption	$180,000 Land $52,085 Building $127,915	$1,800,000 Land $520,850 Building $1,279,150

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 988 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 988 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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