Winnebago County property record for 10396 Ray Dr, Roscoe, IL 61073
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,451 sqft · built 1978 |
| Lot Size | 0.857 acres (37,317 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $228,000 (Sep 2018) |
| Tax Bill | $8,391 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-02-227-006 |
| Primary APN | 08-02-227-006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,451 sqft Living Area |
| 1st Floor Area | 1,226 sqft |
| Basement Area | 1,057 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Colonial |
| Exterior Material | Concrete |
| Roof Material | Asphalt |
| Lot Area | 37,317 sqft (0.857 acres) |
| Garage Area | 526 sqft |
| Deck Area | 336 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 110A058A |
|---|---|
| Street Address | 10396 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 NO 5 HINKLES WOODED ACRES W1/2 LOT 48 & ALL LOT 49 |
| Legal Subdivision | PLAT NO 5 HINKLES WOODED ACRES |
| Legal Lot Number | 48,49 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | HARLEM |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 3806 |
10396 Ray Dr is owned and occupied by two individuals who bought it in September 2018.
Source: Winnebago County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10396 RAY DR, ROSCOE, IL 61073-9330 |
| 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.
| Date | Document |
|---|---|
| Jun 30, 2020 | Deed of Trust, Mortgage · Conventional with PMI ROCK VLY CU |
| Sep 12, 2018 | Warranty Deed, Transfer · Conventional with PMI SERVION INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2018 · Amount on File |
| Deed Sale | Sep 12, 2018 · Amount on File |
| Prior Sale | Sep 12, 2018 · Amount on File |
| Deed Document Number | 20181026364 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 10396 RAY DR, ROSCOE, IL 61073-9330 |
| Document Number | 0001020076 |
| Instrument Date | Jun 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2020 |
| Title Company | LAKESHORE TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10396 RAY DR ROSCOE IL 610739330, ROSCOE, IL 61073-9330 |
| Document Number | 0001020076 |
|---|---|
| Date | Jul 22, 2020 |
| Instrument | 1020076 |
| Name | ROCK VLY CU |
|---|---|
| Address | LOVES PARK, IL 61111 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 21, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.46% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Sep 12, 2018 |
| Property Address | 10396 RAY DR, ROSCOE, IL 61073-9330 |
| Document Number | 0001026364 |
| Instrument Date | Sep 11, 2018 |
| Instrument | 1026364 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2018 |
| Title Company | NORTHERN LAND TITLE CORPORATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $342.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10396 RAY DR ROSCOE IL 610739330, ROSCOE, IL 61073-9330 |
| Document Number | 1026365 |
|---|---|
| Date | Sep 12, 2018 |
| Instrument | 1026365 |
| Name | SERVION INC |
|---|---|
| Address | NEW BRIGHTON, MN 55112 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 11, 2048 |
The 2025 property tax bill for 10396 Ray Dr was $8,391 with a homeowner's exemption.
Source: Winnebago County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,391.00 | $113,904 Land $23,545 Building $90,359 | $341,712 Land $70,635 Building $271,077 |
| 2022 | Homeowner's exemption | $83,906 Land $17,344 Building $66,562 | $251,718 Land $52,032 Building $199,686 |
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.
FEMA maps place 10396 Ray Dr in Zone X, an area of minimal flood risk.
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 risk around 10396 Ray Dr is low, with 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 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 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.
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 |
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