Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$1,633,693$574 / 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 88How 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
Last sold for $1,500,000 on May 7, 2025

965 SPRUCE ST

WINNETKA, IL 60093
5
Beds
5 / 1
Baths
2,846 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.
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.
1886
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.6M
$1.4M low$1.8M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,500,000 · May 7, 2025
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.$358,693
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$286,954
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.80%
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.$1,275,000
OLD SECOND NATIONAL BANK · 5.75% 1 · recorded May 7, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$22,697 (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.$101,217 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,713
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$75,504
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$101,216
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,012,170

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.33
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.
40
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.0.21
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
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

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

M
The Carleton W. Washburne SchoolA
Middle · Grades 7–8 · 0.5 mi
E
Crow Island Elementary SchoolA+
Elementary · Grades KG–4 · 0.6 mi
H
New Trier Township High School - WinnetkaA-
High · Grades 10–12 · 1.4 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

965 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.

  • Worth more than 98% of homes in Cook County
  • Costs more per square foot than 98% of homes in Cook County
  • Bigger than 88% of homes in Cook County
  • Has a smaller lot than 67% of homes in Winnetka 60093
  • 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
$291K$5.5M

This home is worth more than 51% 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$1,633,693
CheaperTypical $1,609,473Pricier

Pricier than 51% of homes nearby

Price per ft²$574
CheaperTypical $547Pricier

Pricier than 56% of homes nearby

Living area2,846 ft²
SmallerTypical 2,929 ft²Bigger

Bigger than 48% of homes nearby

Lot size0.21 ac
SmallerTypical 0.3 acBigger

Bigger than 33% of homes nearby

Year built1886
OlderTypical 1956Newer

Older than almost all homes nearby

How 965 Spruce St ranks against every home in each area.
MeasureThis homeWinnetka 60093Cook County
Estimated valuepricier than$1,633,69351% of homes98% of homes
Price per ft²pricier than$57456% of homes98% of homes
Living areabigger than2,846 ft²48% of homes88% of homes
Lot sizebigger than0.21 ac33% of homes67% of homes
Year builtnewer than1886almost no homesalmost no homes

About 965 Spruce St

How much is 965 Spruce St, Winnetka, IL worth?

The TopHap Estimate for 965 Spruce St, Winnetka, IL is $1,633,693 as of Jul 14, 2026. The likely range is $1,441,897 to $1,825,489. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 965 Spruce St, Winnetka, IL last sell?

965 Spruce St, Winnetka, IL last sold on May 7, 2025 for $1,500,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 965 Spruce St, Winnetka, IL?

965 Spruce St, Winnetka, IL has 5 bedrooms, 5 bathrooms, 2,846 square feet of living space and a 0.21-acre lot.

When was 965 Spruce St, Winnetka, IL built?

965 Spruce St, Winnetka, IL was built in 1886, making it 140 years old. The building has 2 stories.

What schools serve 965 Spruce St, Winnetka, IL?

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

How does 965 Spruce St, Winnetka, IL compare to other homes in Winnetka 60093?

Among the 7,008 homes in Winnetka 60093, it is worth more than 51% of them ($1,633,693 against a typical $1,609,473), its price per square foot is higher than 56% of them ($574 against a typical $547), it is bigger than 48% of them (2,846 ft² against a typical 2,929 ft²), its lot is bigger than 33% of them (0.21 ac against a typical 0.3 ac) and it is newer than almost none of them (1886 against a typical 1956). Measured against all of Cook County, it is worth more than 98% of 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 965 Spruce St, Winnetka, IL?

The 2023 property tax bill for 965 Spruce St, Winnetka, IL was $22,697. The county assessed it at $101,217.

More homes on Spruce St

Closest homes

More homes in Winnetka 60093

Assigned schools

Explore the area

See this home in context

Open 965 Spruce St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map