10686 Meadowsweet Ln, Roscoe, IL 61073 Property Records

Winnebago County property record for 10686 Meadowsweet Ln, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 1998
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Oct 2022)
Tax Bill	$6,556 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-32-351-012`

Property Details

APN / Parcel Number

Primary APN	`04-32-351-012`
Alternative APNs	`432351012` `032C311`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,740 sqft Living Area
Basement Area	1,740 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Garage Area	728 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	10686 MEADOWSWEET LN
City	ROSCOE
State	IL
Zip	61073-9495
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - SINGL
Legal Description	CHICORY RIDGE NO 1 PT SW 1/4 SEC 32-46-2 LOT 11
Legal Range	2
Legal Township	46
Legal Section	32
Legal Subdivision	CHICORY RDG 1
Legal Lot Number	11
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	2
Census Block	2036
Census Tract	3901

Owner

10686 Meadowsweet Ln is owned and occupied by two individuals who bought it in October 2022.

Source: Winnebago County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	10686 MEADOWSWEET LN, ROSCOE, IL 61073-9495
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2022	Warranty Deed, Transfer · Conventional Mortgage SELF HELP CU
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK
May 1, 2018	Warranty Deed, Transfer · FHA Mortgage AMERICU MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2022 · Amount on File
Deed Sale	Oct 5, 2022 · Amount on File
Prior Sale	May 1, 2018 · Amount on File
Deed Document Number	202230730
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Oct 5, 2022
Property Address	10686 MEADOWSWEET LN, ROSCOE, IL 61073-9495
Document Number	0000030730
Map Reference	BK41 PG67A
Instrument Date	Sep 8, 2022
Instrument	2230730
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$322.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10686 MEADOWSWEET LN, ROSCOE, IL 61073-9495

Mortgage

Document Number	0000030731
Date	Oct 5, 2022
Instrument	2230731

Lender

Name	SELF HELP CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	7.63%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	10686 MEADOWSWEET LN, ROSCOE, IL 61073-9495
Transaction Type	Mortgage
Record Updated	May 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031996
Date	Sep 9, 2021
Instrument	2131996

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	May 1, 2018
Property Address	10686 MEADOWSWEET LN, ROSCOE, IL 61073-9495
Document Number	0001012078
Instrument Date	Apr 27, 2018
Instrument	1012078
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	MAGNUS TITLE AGENCY, MTA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10686 MEADOWSWEET LN ROSCOE IL 610739495, ROSCOE, IL 61073-9495

Mortgage

Document Number	1012079
Date	May 1, 2018
Instrument	1012079

Lender

Name	AMERICU MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 10686 Meadowsweet Ln was $6,556.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Roscoe Township
Municipality	Roscoe Village
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	$6,556.00	$78,042 Land $17,222 Building $60,820	$234,126 Land $51,666 Building $182,460
2022	Homeowner's exemption	$58,475 Land $12,904 Building $45,571	$175,425 Land $38,712 Building $136,713

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

FEMA maps place 10686 Meadowsweet Ln 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

Wildfire risk around 10686 Meadowsweet Ln is low, with less than 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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTH PARK PWD serves 35,580 people · EPA ID IL2015500
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: T-Mobile, Verizon.

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