11103 Downing Ln, Roscoe, IL 61073 Property Records

Winnebago County property record for 11103 Downing Ln, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,284 sqft · built 2003
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$311,500 (Jun 2026)
Tax Bill	$5,562 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-33-129-019`

Property Details

APN / Parcel Number

Primary APN	`04-33-129-019`
Alternative APNs	`433129019` `033A416`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,284 sqft Living Area
Basement Area	1,284 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Lot Area	15,682 sqft (0.36 acres)
Garage Area	560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	11103 DOWNING LN
City	ROSCOE
State	IL
Zip	61073-7308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - SINGL
Legal Description	DOWNING PLACE NO 1 PT N 1/2 SEC 33-46-2 LOT 16
Legal Range	2
Legal Township	46
Legal Section	33
Legal Subdivision	DOWNING PLACE 01
Legal Lot Number	16
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	3
Census Block	3002
Census Tract	3904

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	11103 DOWNING LN, ROSCOE, IL 61073-7308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed, Transfer · Conventional Mortgage MORTGAGE SERVICES
Sep 14, 2023	Warranty Deed, Transfer MAGNUS TITLE AGENCY, MTA
Jul 23, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
Mar 7, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Apr 19, 2017	Warranty Deed, Transfer · FHA Mortgage ACADEMY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Sep 14, 2023 · Amount on Record
Deed Document Number	202615602
Prior Transfer Date	Jul 10, 2025
Prior Transfer Doc	0000017452
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 22, 2026
Property Address	11103 DOWNING LN, ROSCOE, IL 61073-7308
Document Number	0000015602
Instrument Date	Jun 10, 2026
Instrument	202615602
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	MORTGAGE SERVICES, EDUCATED MORTGAGE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47,192.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11103 DOWNING LN, ROSCOE, IL 61073-7308
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015603,
Date	Jun 22, 2026
Instrument	202615603

Lender

Name	MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 14, 2023
Property Address	11103 DOWNING LN, ROSCOE, IL 61073-7308
Document Number	0000021384
Map Reference	BK44 PG29B
Instrument Date	Sep 8, 2023
Instrument	2321384
Transaction Type	Transfer
Record Updated	Oct 4, 2023
Title Company	MAGNUS TITLE AGENCY, MTA

Transaction

Amount	Amount Recorded
Tax	$382.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11103 DOWNING LN, ROSCOE, IL 61073-7308

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	11103 DOWNING LN, ROSCOE, IL 61073-7308
Transaction Type	Mortgage
Record Updated	May 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025936
Date	Jul 23, 2021
Instrument	2125936

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	11103 DOWNING LN, ROSCOE, IL 61073-7308
Document Number	0001007279
Instrument Date	Mar 7, 2020
Transaction Type	Mortgage
Record Updated	Apr 8, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11103 DOWNING LN ROSCOE IL 610737308, ROSCOE, IL 61073-7308

Mortgage

Document Number	0001007279
Date	Mar 17, 2020
Instrument	1007279

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Apr 19, 2017
Property Address	11103 DOWNING LN, ROSCOE, IL 61073-7308
Document Number	0001011720
Instrument Date	Apr 14, 2017
Instrument	1011720
Transaction Type	Transfer
Record Updated	May 1, 2017
Title Company	NORTHERN LAND TITLE CORPORATION, NLT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11296 VALERIAN WAY ROSCOE IL 610736401, ROSCOE, IL 61073-6401

Mortgage

Document Number	1011721
Date	Apr 19, 2017
Instrument	1011721

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2047

Interest

Rate Type	Fixed Rate
Rate	4.37%

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
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	$5,562.00 (+4.94%)	$77,213 (+9.49%) Land $13,850 Building $63,363	$231,639 (+9.49%) Land $41,550 Building $190,089
2024	$5,300.00	$70,521 (+21.89%) Land $12,650 Building $57,871	$211,563 (+21.89%) Land $37,950 Building $173,613
2022	Homeowner's exemption	$57,855 Land $10,378 Building $47,477	$173,565 Land $31,134 Building $142,431

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 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

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	None beyond ember reach

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 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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