Winnebago County property record for 10487 Ray Dr, Roscoe, IL 61073
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,661 sqft · built 1980 |
| Lot Size | 0.59 acres (25,688 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $138,000 (Nov 2013) |
| Tax Bill | $6,472 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-02-203-003 |
| Primary APN | 08-02-203-003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,661 sqft Living Area |
| 1st Floor Area | 1,661 sqft |
| Basement Area | 1,661 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Concrete |
| Roof Material | Asphalt |
| Lot Area | 25,688 sqft (0.59 acres) |
| Garage Area | 616 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 110A074 |
|---|---|
| Street Address | 10487 RAY DR |
| City | ROSCOE |
| State | IL |
| Zip | 61073-8137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | PLAT 6 OF HINKLES WOODED ACRES BNG SUB PT NE 1/4 SEC 2-45-2 & THE N 66 FT OF LOT 16 OF HINKLES WOODED ACRES LOT 065 |
| Legal Range | 2 |
| Legal Township | 45 |
| Legal Section | 2 |
| Legal Subdivision | PLAT 6 OF HINKLES WOODED ACRES |
| Legal Lot Number | 16 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | HARLEM |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 3806 |
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 | 10487 RAY DR, ROSCOE, IL 61073-8137 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Jul 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ILLINOIS STATE CU |
| Apr 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ILLINOIS ST CU |
| Mar 14, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 8, 2013 · Amount on Record |
| Deed Sale | Nov 8, 2013 · Amount on Record |
| Deed Document Number | 20131045232 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 10487 RAY DR, ROSCOE, IL 61073-8137 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000006314 |
|---|---|
| Date | Mar 13, 2026 |
| Instrument | 2606314 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 1, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 10487 RAY DR, ROSCOE, IL 61073-8137 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000023052 |
|---|---|
| Date | Jul 1, 2021 |
| Instrument | 2123052 |
| Name | ILLINOIS STATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 30, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 10487 RAY DR, ROSCOE, IL 61073-8137 |
| Document Number | 0001009337 |
| Instrument Date | Apr 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2020 |
| Title Company | MCLEAN COUNTY TITLE |
| Name | Verified Name |
|---|---|
| Address | 10487 RAY DR ROSCOE IL 610738137, ROSCOE, IL 61073-8137 |
| Document Number | 0001009337 |
|---|---|
| Date | Apr 9, 2020 |
| Instrument | 1009337 |
| Name | ILLINOIS ST CU |
|---|---|
| Address | BLOOMINGTON, IL 61704 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 8, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 10487 RAY DR, ROSCOE, IL 61073-8137 |
| Document Number | 0001008140 |
| Instrument Date | Mar 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2019 |
| Title Company | ACCURATE TITLE GROUP, ACCURATE TITLE GRP |
| Name | Verified Name |
|---|---|
| Address | 10487 RAY DR ROSCOE IL 610738137, ROSCOE, IL 61073-8137 |
| Document Number | 0001008140 |
|---|---|
| Date | Mar 28, 2019 |
| Instrument | 1008140 |
| Name | FIRST AMERICAN BK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 27, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
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 | $6,472.00 (+4.59%) Homeowner's exemption | $89,227 (+9.96%) Land $23,545 Building $65,682 | $267,681 (+9.96%) Land $70,635 Building $197,046 |
| 2024 | $6,188.00 | $81,145 (+23.45%) Land $21,412 Building $59,733 | $243,435 (+23.45%) Land $64,236 Building $179,199 |
| 2022 | Homeowner's exemption | $65,729 Land $17,344 Building $48,385 | $197,187 Land $52,032 Building $145,155 |
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.
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.
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 | 0.02% 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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