989 Elm St, Winnetka, IL 60093 Property Records

Cook County property record for 989 Elm St, Winnetka, IL 60093

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,646 sqft · built 1898
Lot Size	0.215 acres (9,350 sqft)
Owner	Individual Name on File
Last Sale	$745,000 (Sep 2016)
Tax Bill	$21,546 (2023)
Deeds & Mortgages	Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-20-205-014`

Property Details

APN / Parcel Number

Primary APN	`05-20-205-014`
Alternative APN	`05-20-205-014-0000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,646 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Exterior Material	Brick/Stone
Construction Type	Frame
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
Water Source	Commercial

Location & Zoning

Street Address	989 ELM ST
City	WINNETKA
State	IL
Zip	60093-2206
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	17
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	5
Census Block	5014
Census Tract	800500

Owner

Source: Cook County records · APN 05-20-205-014

Assessment roll updated May 27, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	989 ELM ST, WINNETKA, IL 60093-2206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 30, 2016 · Amount on Record
Deed Sale	Sep 30, 2016 · Amount on Record
Prior Sale	Jul 27, 2007 · Amount on Record
Deed Document Number	20168015
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	989 ELM ST, WINNETKA, IL 60093-2206
Document Number	1825719307
Instrument Date	Aug 31, 2018
Transaction Type	Mortgage
Record Updated	Sep 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	989 ELM ST WINNETKA IL 600932206, WINNETKA, IL 60093-2206

Mortgage

Document Number	1825719307
Date	Sep 14, 2018
Instrument	25719307

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified June 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$120,001 (+24.67%) Land $30,388 Building $89,613	$1,200,010 (+24.67%) Land $303,880 Building $896,130
2023	$21,546.00 (+6.34%)
2022	$20,261.00 Homeowner's exemption	$96,254 Land $25,712 Building $70,542	$962,540 Land $257,120 Building $705,420

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 11, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

Based on FCC filings for 500 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINNETKA serves 12,475 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.