10490 Ray Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 10490 Ray Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,611 sqft · built 1978
Lot Size	0.643 acres (28,009 sqft)
Owner	Individual Name on Record
Last Sale	$148,000 (Feb 2017)
Tax Bill	$6,713 (2025)
Deeds & Mortgages	Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-02-227-001`

Property Details

APN / Parcel Number

Primary APN	`08-02-227-001`
Alternative APNs	`802227001` `110A075`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,611 sqft Living Area
1st Floor Area	1,611 sqft
Basement Area	1,611 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Concrete
Roof Material	Asphalt
Lot Area	28,009 sqft (0.643 acres)
Garage Area	542 sqft
Deck Area	306 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	110A075
Street Address	10490 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 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 066
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	1008
Census Tract	3806

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	10490 RAY DR, ROSCOE, IL 61073-9300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2017 · Amount on Record
Deed Sale	Feb 2, 2017 · Amount on Record
Record Updated	Sep 20, 2026

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Feb 2, 2017
Property Address	10490 RAY DR, ROSCOE, IL 61073-9300
Document Number	0001003365
Instrument Date	Jan 31, 2017
Instrument	1003365
Transaction Type	Transfer
Record Updated	Feb 14, 2017
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10490 RAY DR ROSCOE IL 610739300, ROSCOE, IL 61073-9300

Mortgage

Document Number	1003366
Date	Feb 2, 2017
Instrument	1003366

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

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	$6,713.00	$92,325 (+35.75%) Land $23,545 Building $68,780	$276,975 (+35.75%) Land $70,635 Building $206,340
2022	Homeowner's exemption	$68,011 Land $17,344 Building $50,667	$204,033 Land $52,032 Building $152,001

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	0.02% annual chance
Exposure	Direct burnable vegetation

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