10899 Bayberry Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 10899 Bayberry Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,578 sqft · built 1978
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Aug 2006)
Tax Bill	$5,129 (2025)
Deeds & Mortgages	Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-35-302-003`

Property Details

APN / Parcel Number

Primary APN	`04-35-302-003`
Alternative APNs	`435302003` `034A137`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,578 sqft Living Area
Basement Area	1,578 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	27,443 sqft (0.63 acres)
Garage Area	462 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	034A137
Street Address	10899 BAYBERRY DR
City	ROSCOE
State	IL
Zip	61073-9046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PLAT 2 OF STAGE COACH HILLS SUB BNG SUB PT S 1/2 NE 1/4 SEC 34 & PT W 1/2 SW 1/4 SEC 35-46-2 LOT 037
Legal Range	2
Legal Township	46
Legal Section	35
Legal Subdivision	PLAT 2 OF STAGE COACH HILLS SUB
Legal Lot Number	37
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	2
Census Block	2014
Census Tract	3903

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	2 Individual Names on Record
Mailing Address	10899 BAYBERRY DR, ROSCOE, IL 61073-9046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2006 · Amount on Record
Deed Sale	Aug 23, 2006 · Amount on Record
Deed Document Number	2006653188
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	10899 BAYBERRY DR, ROSCOE, IL 61073-9046
Document Number	0001027297
Instrument Date	Aug 5, 2019
Transaction Type	Mortgage
Record Updated	Sep 2, 2019
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10899 BAYBERRY DR ROSCOE IL 610739046, ROSCOE, IL 61073-9046

Mortgage

Document Number	0001027297
Date	Aug 15, 2019
Instrument	1027297

Lender

Name	BYRON BK
Type	Bank
Address	BYRON, IL 61010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 14, 2034

Interest

Rate	3.21%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Roscoe 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	$5,129.00	$71,861 (+33.46%) Land $11,246 Building $60,615	$215,583 (+33.46%) Land $33,738 Building $181,845
2022	Homeowner's exemption	$53,843 Land $8,426 Building $45,417	$161,529 Land $25,278 Building $136,251

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Mar 1979 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20