11098 Oxbow Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 11098 Oxbow Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,186 sqft · built 1980
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$197,000 (Sep 2017)
Tax Bill	$6,793 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-33-152-002`

Property Details

APN / Parcel Number

Primary APN	`04-33-152-002`
Alternative APNs	`433152002` `033B338`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,186 sqft Living Area
Basement Area	837 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Lot Area	19,602 sqft (0.45 acres)
Garage Area	365 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	033B338
Street Address	11098 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 ON E BANK RIVER AT SW COR ATWOODTR TH E APPROX 390 FT TO A POINT 1682.12 FT DUE W OF E LINE NW1/4 TH S 50 FTTH W TO RIVER TH N ALONG IVER BANK TO
Legal Tract	TH
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

11098 Oxbow Dr is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	11098 OXBOW DR, ROSCOE, IL 61073-9402
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Aug 19, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Sep 11, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2017 · Amount on File
Deed Sale	Sep 11, 2017 · Amount on File
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	11098 OXBOW DR, ROSCOE, IL 61073-9402
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027832
Date	Sep 8, 2022
Instrument	2227832

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2032

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	11098 OXBOW DR, ROSCOE, IL 61073-9402
Document Number	0001025251
Instrument Date	Aug 19, 2020
Transaction Type	Mortgage
Record Updated	Sep 14, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11098 OXBOW DR ROSCOE IL 610739402, ROSCOE, IL 61073-9402

Mortgage

Document Number	0001025251
Date	Aug 31, 2020
Instrument	1025251

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Aug 30, 2047

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 11, 2017
Property Address	11098 OXBOW DR, ROSCOE, IL 61073-9402
Document Number	0001027782
Instrument Date	Sep 1, 2017
Instrument	1027782
Transaction Type	Transfer
Record Updated	Sep 25, 2017

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
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	11098 OXBOW DR ROSCOE IL 610739402, ROSCOE, IL 61073-9402

Mortgage

Document Number	1027783
Date	Sep 11, 2017
Instrument	1027783

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 11098 Oxbow Dr was $6,793 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	$6,793.00	$86,865 Land $14,513 Building $72,352	$260,595 Land $43,539 Building $217,056
2022	Homeowner's exemption	$65,086 Land $10,874 Building $54,212	$195,258 Land $32,622 Building $162,636

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 11098 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 11098 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.

Nearby Properties on Oxbow Dr

Nearby Streets

All Roscoe, IL Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures