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Single Family ResidenceResidential
$2,782,573$641 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 76How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

644 SPRUCE ST

WINNETKA, IL 60093
5
Beds
4 / 1
Baths
4,342 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.41 ac
Lot SizeThe size of the land the home sits on, from county records.
1894
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$2.8M
$2.1M low$3.4M high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$1,844,893
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,475,914
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.33%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$357,680
MARYLIND ANDRESEN · R · recorded Jun 7, 2011
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$580,000
BAXTER CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$37,298 (2023)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$164,199 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$58,654
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$105,545
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$164,199
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,641,990

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.32
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
61
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
66
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
33
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCook
Lot (acres)The size of the land the home sits on, from county records.0.41
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Greeley Elementary SchoolA
Elementary · Grades KG–4 · 0.7 mi
H
New Trier Township High School - WinnetkaA-
High · Grades 10–12 · 1.0 mi
M
The Carleton W. Washburne SchoolA
Middle · Grades 7–8 · 1.1 mi

District: Winnetka School District 36

Neighborhood · ZIP 60093These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.53
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.117
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.41

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.38%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.19,121
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,952 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$236,385
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$357,267
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

644 Spruce St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the most valuable homes in Cook County
  • Among the highest price per square foot in Cook County
  • Bigger than 96% of homes in Cook County
  • Has a bigger lot than 80% of homes in Cook County
  • Among the oldest homes in Winnetka 60093

What homes are worth in Winnetka 60093

Each bar is how many homes fall in that price range. The marker is this home.

This home
$290K$5.5M

This home is worth more than 83% of homes in Winnetka 60093.

How it measures up in Winnetka 60093

The dot is this home. The mark in the middle is the typical home in Winnetka 60093.

Estimated value$2,782,573
CheaperTypical $1,610,677Pricier

Pricier than 83% of homes nearby

Price per ft²$641
CheaperTypical $546Pricier

Pricier than 71% of homes nearby

Living area4,342 ft²
SmallerTypical 2,937 ft²Bigger

Bigger than 79% of homes nearby

Lot size0.41 ac
SmallerTypical 0.3 acBigger

Bigger than 60% of homes nearby

Year built1894
OlderTypical 1956Newer

Older than almost all homes nearby

How 644 Spruce St ranks against every home in each area.
MeasureThis homeWinnetka 60093Cook County
Estimated valuepricier than$2,782,57383% of homesalmost all homes
Price per ft²pricier than$64171% of homesalmost all homes
Living areabigger than4,342 ft²79% of homes96% of homes
Lot sizebigger than0.41 ac60% of homes80% of homes
Year builtnewer than1894almost no homes4% of homes

About 644 Spruce St

How much is 644 Spruce St, Winnetka, IL worth?

The TopHap Estimate for 644 Spruce St, Winnetka, IL is $2,782,573 as of Jul 14, 2026. The likely range is $2,121,650 to $3,443,496. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 644 Spruce St, Winnetka, IL last sell?

644 Spruce St, Winnetka, IL last sold on Apr 24, 1996, according to the county's recorded deed.

How big is 644 Spruce St, Winnetka, IL?

644 Spruce St, Winnetka, IL has 5 bedrooms, 4 bathrooms, 4,342 square feet of living space and a 0.41-acre lot.

When was 644 Spruce St, Winnetka, IL built?

644 Spruce St, Winnetka, IL was built in 1894, making it 132 years old. The building has 2 stories.

What schools serve 644 Spruce St, Winnetka, IL?

644 Spruce St, Winnetka, IL is assigned to Greeley Elementary School (elementary), rated A; New Trier Township High School - Winnetka (high), rated A-; The Carleton W. Washburne School (middle), rated A. All sit in Winnetka School District 36. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 644 Spruce St, Winnetka, IL compare to other homes in Winnetka 60093?

Among the 7,008 homes in Winnetka 60093, it is worth more than 83% of them ($2,782,573 against a typical $1,610,677), its price per square foot is higher than 71% of them ($641 against a typical $546), it is bigger than 79% of them (4,342 ft² against a typical 2,937 ft²), its lot is bigger than 60% of them (0.41 ac against a typical 0.3 ac) and it is newer than almost none of them (1894 against a typical 1956). Measured against all of Cook County, it is worth more than almost all homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 644 Spruce St, Winnetka, IL?

The 2023 property tax bill for 644 Spruce St, Winnetka, IL was $37,298. The county assessed it at $164,199.

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Assigned schools

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