11040 Oxbow Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 11040 Oxbow Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 846 sqft · built 1945
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Jul 2022)
Tax Bill	$1,828 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jul 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-33-152-006`

Property Details

APN / Parcel Number

Primary APN	`04-33-152-006`
Alternative APNs	`433152006` `033B342`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	846 sqft Living Area
Basement Area	423 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	15,682 sqft (0.36 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Well

Location & Zoning

Street Address	11040 OXBOW DR
City	ROSCOE
State	IL
Zip	61073-9402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - SINGL
Legal Description	BEGN W LINE OXBOW DRIVE 325 FT S OF NLINE ELMSIDE SUB TH S 37.5 FT TH W TORIVER TH NLY ALONG RIVER
Legal Subdivision	N LINE ELMSIDE SUB
Legal Block	33
Legal Lot Number	11
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	3
Census Block	3006
Census Tract	3904

Owner

11040 Oxbow Dr is owned and occupied by two individuals who bought it in July 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	11040 OXBOW DR, ROSCOE, IL 61073-9402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Jul 28, 2022	Warranty Deed, Transfer LAKESHORE TITLE AGENCY
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BYRON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2022 · Amount on File
Deed Sale	Jul 28, 2022 · Amount on File
Prior Sale	Nov 7, 2016 · Amount on File
Deed Document Number	202223396
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	11040 OXBOW DR, ROSCOE, IL 61073-9402
Transaction Type	Mortgage
Record Updated	Oct 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023396
Date	Oct 5, 2023
Instrument	2323396

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 4, 2038

Interest

Rate Type	Adjustable Rate

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jul 28, 2022
Property Address	11040 OXBOW DR, ROSCOE, IL 61073-9402
Document Number	0000023396
Map Reference	BK21 PG399
Instrument Date	Jul 26, 2022
Instrument	2223396
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	LAKESHORE TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$210.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11040 OXBOW DR, ROSCOE, IL 61073-9402

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	11040 OXBOW DR, ROSCOE, IL 61073-9402
Transaction Type	Mortgage
Record Updated	May 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020681
Date	Jun 15, 2021
Instrument	2120681

Lender

Name	BYRON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 11040 Oxbow Dr was $1,828 with a homeowner's exemption.

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	$1,828.00	$52,759 Land $13,646 Building $39,113	$158,277 Land $40,938 Building $117,339
2022		$36,737 Land $10,225 Building $26,512	$110,211 Land $30,675 Building $79,536

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 11040 Oxbow Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1978–1979)
Most Recent Claim	Apr 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

Wildfire risk around 11040 Oxbow Dr 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 94% of the US · lower than 61% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Verizon.

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