10128 Sunset Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 10128 Sunset Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,224 sqft · built 1992
Lot Size	1.73 acres (75,794 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Nov 2024)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2020 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`08-04-176-008`

Property Details

APN / Parcel Number

Primary APN	`08-04-176-008`
Alternative APNs	`804176008` `112B116B`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,224 sqft Living Area
Basement Area	509 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	75,794 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	10128 SUNSET DR
City	ROSCOE
State	IL
Zip	61073-7228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	N 140 FT S 713 FT OF THAT PT N 1/2 SECBETWN RIVER & C/L HWY EXC E 889 FT THEREOF SEC SEC: 04 TWP: 045 RANGE: 002ACRES: 1.74
Legal Range	02E
Legal Township	45N
Legal Section	04
Legal Block	4
Legal Lot Number	11
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	3
Census Block	3039
Census Tract	3904

Owner

10128 Sunset Dr is owned and occupied by an individual who bought it in November 2024.

Source: Winnebago County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	10128 SUNSET DR, ROSCOE, IL 61073-7228
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
Feb 6, 2026	Deed of Trust, Mortgage · VA Mortgage ENVOY MORTGAGE LTD
Nov 12, 2020	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESID'L MTG
Feb 24, 2020	Deed of Trust, Mortgage · Conventional with PMI US BK
Oct 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2024 · Amount on File
Deed Sale	Nov 27, 2024 · Amount on File
Prior Sale	Nov 12, 2020 · Amount on File
Deed Document Number	202429371
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	10128 SUNSET DR, ROSCOE, IL 61073-7228
Transaction Type	Mortgage
Record Updated	Mar 11, 2026
Title Company	LST

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003204
Date	Feb 6, 2026
Instrument	2603204

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.63%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Nov 12, 2020
Property Address	10128 SUNSET DR, ROSCOE, IL 61073-7228
Document Number	0001034718
Instrument Date	Oct 30, 2020
Instrument	1034718
Transaction Type	Transfer
Record Updated	Dec 2, 2020
Title Company	LAKESHORE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	458 S STRATFORD AVE ELMHURST IL 601264123, ELMHURST, IL 60126-4123

Mortgage

Document Number	1034719
Date	Nov 12, 2020
Instrument	1034719

Lender

Name	PRIMARY RESID'L MTG
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	10128 SUNSET DR, ROSCOE, IL 61073-7228
Document Number	0001005780
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10128 SUNSET DR ROSCOE IL 610737228, ROSCOE, IL 61073-7228

Mortgage

Document Number	0001005780
Date	Mar 2, 2020
Instrument	1005780

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Interest

Rate	3.99%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	10128 SUNSET DR, ROSCOE, IL 61073-7228
Document Number	0001036337
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10128 SUNSET DR ROSCOE IL 610737228, ROSCOE, IL 61073-7228

Mortgage

Document Number	0001036337
Date	Oct 30, 2019
Instrument	1036337

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 29, 2039

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Roscoe Township
Secondary School District	Hononegah Community High School District 207 (09 - 12)
Elementary School District	Kinnikinnick Community Consolidated School District 131 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$93,999 Land $52,876 Building $41,123	$281,997 Land $158,628 Building $123,369
2022	Homeowner's exemption	$70,432 Land $39,619 Building $30,813	$211,296 Land $118,857 Building $92,439

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 10128 Sunset Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1978–1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

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

Wildfire risk around 10128 Sunset Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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