10258 Ray Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 10258 Ray Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,984 sqft · built 1976
Lot Size	0.577 acres (25,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,000 (Aug 2013)
Tax Bill	$6,480 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-02-227-011`

Property Details

APN / Parcel Number

Primary APN	`08-02-227-011`
Alternative APNs	`802227011` `110A048`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,984 sqft Living Area
1st Floor Area	1,492 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Bi-Level
Roof Material	Asphalt
Lot Area	25,120 sqft (0.577 acres)
Garage Area	757 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	110A048
Street Address	10258 RAY DR
City	ROSCOE
State	IL
Zip	61073-9330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PLAT 4 OF HINKLES WOODED ACRES BNG SUBPT NE 1/4 SEC 2-45-2 LOT 039
Legal Range	2
Legal Township	45
Legal Section	2
Legal Subdivision	PLAT 4 OF HINKLES WOODED ACRES
Legal Lot Number	039
Jurisdiction	WINNEBAGO IL
Township / Civil Division	HARLEM
Census Block Group	1
Census Block	1008
Census Tract	3806

Owner

Source: Winnebago County records, as of October 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	10258 RAY DR, ROSCOE, IL 61073-9330
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Deed of Trust, Mortgage · Line of Credit BYRON BANK
May 21, 2020	Deed of Trust, Mortgage · Conventional with PMI BYRON BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2013 · Amount on Record
Deed Sale	Aug 30, 2013 · Amount on Record
Deed Document Number	20131035536
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	Oct 7, 2026
Property Address	10258 RAY DR, ROSCOE, IL 61073-9330
Document Number	0000027025
Instrument Date	Sep 18, 2026
Instrument	202627025
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10258 RAY DR, ROSCOE, IL 61073-9330

Mortgage

Document Number	0000027025,
Date	Oct 7, 2026
Instrument	202627025

Lender

Name	BYRON BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	10258 RAY DR, ROSCOE, IL 61073-9330
Document Number	0001019678
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10258 RAY DR ROSCOE IL 610739330, ROSCOE, IL 61073-9330

Mortgage

Document Number	0001019678
Date	Jul 20, 2020
Instrument	1019678

Lender

Name	BYRON BK
Type	Bank
Address	BYRON, IL 61010

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jul 19, 2035

Interest

Rate	2.44%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Harlem 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	$6,480.00	$89,337 (+35.75%) Land $23,545 Building $65,792	$268,011 (+35.75%) Land $70,635 Building $197,376
2022	Homeowner's exemption	$65,810 Land $17,344 Building $48,466	$197,430 Land $52,032 Building $145,398

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

Source: FEMA National Flood Hazard Layer, effective July 12, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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