10138D Monarch Rd, Roscoe, IL 61073 Property Records

Winnebago County property record for 10138D Monarch Rd, Roscoe, IL 61073

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,376 sqft · built 2006
Lot Size	16.6 acres (723,532 sqft)
Owner	Individual Name on Record
Last Sale	$178,000 (Mar 2026)
Tax Bill	$2,668 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-06-280-084`

Property Details

APN / Parcel Number

Primary APN	`08-06-280-084`
Alternative APN	`806280084`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Units	4 Units
Building Area	1,376 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Lot Area	723,532 sqft
Garage Area	462 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	10138D MONARCH RD
City	ROSCOE
State	IL
Zip	61073-5668
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM - MULT
Legal Description	CLEARWING II CONDOS PT NW1/4 SEC 5 & PT NE1/4 SEC 6-45-2 UNIT 123D
Legal Subdivision	CLEARWING II CONDOS
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	3
Census Block	3031
Census Tract	3801

Owner

Source: Winnebago County records, as of July 28, 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 Record
Mailing Address	10138 MONARCH RD, 4, ROSCOE, IL 61073-5695
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Jun 30, 2020	Warranty Deed, Transfer · Conventional with PMI BLACKHAWK BK
Jun 10, 2020	Grant Deed, Transfer NORTHERN LAND TITLE CORPORATION, NLT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2026 · Amount on Record
Deed Sale	Mar 20, 2026 · Amount on Record
Prior Sale	Jun 30, 2020 · Amount on Record
Deed Document Number	20266819
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Mar 20, 2026
Property Address	10138D MONARCH RD, ROSCOE, IL 61073-5668
Document Number	0000006819
Map Reference	DOC 0654776
Instrument Date	Mar 17, 2026
Instrument	2606819
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	MAGNUS TITLE AGENCY, MTA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$267.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10138 MONARCH RD UNIT 4, 4, ROSCOE, IL 61073-5695

Mortgage

Document Number	0000006820
Date	Mar 20, 2026
Instrument	2606820

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 30, 2020
Property Address	10138D MONARCH RD # 123D, 123D, ROSCOE, IL 61073-5668
Document Number	0001017453
Instrument Date	Jun 24, 2020
Instrument	1017453
Transaction Type	Transfer
Record Updated	Jul 17, 2020
Title Company	METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10138 MONARCH RD #4 ROSCOE IL 610735695, 4, ROSCOE, IL 61073-5695

Mortgage

Document Number	1017454
Date	Jun 30, 2020
Instrument	1017454

Lender

Name	BLACKHAWK BK
Type	Bank
Address	BELOIT, WI 53511

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 10, 2020
Property Address	10138D MONARCH RD # 123D, 123D, ROSCOE, IL 61073-5668
Document Number	0001015132
Instrument Date	Mar 27, 2020
Instrument	1015132
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	NORTHERN LAND TITLE CORPORATION, NLT

Transaction

Amount	Amount Recorded
Tax	$125.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6277 E RIVERSIDE BLVD ROCKFORD IL 611144420, ROCKFORD, IL 61114-4420

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
Municipality	Roscoe Village
Secondary School District	Hononegah Community High School District 207 (09 - 12)
Elementary School District	Rockton School District 140 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,668.00 (+4.5%) Homeowner's exemption	$40,688 (+9.49%) Land $4,444 Building $36,244	$122,064 (+9.49%) Land $13,332 Building $108,732
2024	$2,553.00	$37,162 (+32.64%) Land $4,059 Building $33,103	$111,486 (+32.64%) Land $12,177 Building $99,309
2022	Homeowner's exemption	$28,018 Land $3,330 Building $24,688	$84,054 Land $9,990 Building $74,064

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	76 (1978–2019)
Claims Outside the SFHA	4 of 76
Most Recent Claim	Oct 2019 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 4 claims Severe Storms And Flooding, Jul 2010 · 21 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

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	Direct burnable vegetation

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	NORTH PARK PWD serves 35,580 people · EPA ID IL2015500
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 ppb (2024–2026) 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 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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