Winnebago County property record for 10444 Ray Dr, Roscoe, IL 61073
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,765 sqft · built 1978 |
| Lot Size | 0.638 acres (27,799 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Aug 2023) |
| Tax Bill | $6,559 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-02-227-003 |
| Primary APN | 08-02-227-003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,765 sqft Living Area |
| 1st Floor Area | 1,765 sqft |
| Basement Area | 1,765 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Exterior Material | Concrete |
| Roof Material | Asphalt |
| Lot Area | 27,799 sqft (0.638 acres) |
| Garage Area | 576 sqft |
| Deck Area | 422 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Street Address | 10444 RAY DR |
|---|---|
| City | ROSCOE |
| State | IL |
| Zip | 61073-9300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | PLAT 5 OF HINKLES WOODED ACRES BNG SUB PT NE 1/4 SEC 2-45-2 LOT 052 |
| Legal Range | 2 |
| Legal Township | 45 |
| Legal Section | 2 |
| Legal Subdivision | PLAT 5 OF HINKLES WOODED ACRES |
| Legal Lot Number | 052 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | HARLEM |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 3806 |
10444 Ray Dr is owned and occupied by an individual who bought it in August 2023.
Source: Winnebago County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10444 RAY DR, ROSCOE, IL 61073-9300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
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 |
|---|---|
| Aug 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage BLACKHAWK BANK |
| Nov 23, 2020 | Quit Claim Deed, Transfer ENVOY MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2023 · Amount on File |
| Deed Sale | Aug 17, 2023 · Amount on File |
| Prior Sale | Nov 23, 2020 · Amount on File |
| Deed Document Number | 202318884 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Aug 17, 2023 |
| Property Address | 10444 RAY DR, ROSCOE, IL 61073-9300 |
| Document Number | 0000018884 |
| Map Reference | BK35 PG387 |
| Instrument Date | Aug 16, 2023 |
| Instrument | 2318884 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2023 |
| Title Company | MAGNUS TITLE AGENCY, MTA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $367.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10444 RAY DR, ROSCOE, IL 61073-9300 |
| Document Number | 0000018885 |
|---|---|
| Date | Aug 17, 2023 |
| Instrument | 2318885 |
| Name | BLACKHAWK BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Number | 0000018886 |
|---|---|
| Date | Aug 17, 2023 |
| Instrument | 2318886 |
| Name | ILLINOIS HOUSING DEV AUTHORITY |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Nov 23, 2020 |
| Property Address | 10444 RAY DR, ROSCOE, IL 61073-9300 |
| Document Number | 0001036111 |
| Instrument Date | Nov 18, 2020 |
| Instrument | 1036111 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 10444 RAY DR ROSCOE IL 610739300, ROSCOE, IL 61073-9300 |
| Document Number | 1036112 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | 1036112 |
| Name | ENVOY MTG |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 22, 2050 |
The 2025 property tax bill for 10444 Ray Dr was $6,559.
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 | $6,559.00 | $90,352 Land $23,545 Building $66,807 | $271,056 Land $70,635 Building $200,421 |
| 2022 | Homeowner's exemption | $66,557 Land $17,344 Building $49,213 | $199,671 Land $52,032 Building $147,639 |
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 10444 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 10444 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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