11225 Downing Ln, Roscoe, IL 61073 Property Records

Winnebago County property record for 11225 Downing Ln, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 958 sqft · built 2004
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Feb 2024)
Tax Bill	$5,303 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-33-201-018`

Property Details

APN / Parcel Number

Primary APN	`04-33-201-018`
Alternative APNs	`433201018` `033A424`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	958 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Lot Area	12,632 sqft (0.29 acres)
Garage Area	570 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	033A424
Street Address	11225 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 24
Legal Range	2
Legal Township	46
Legal Section	33
Legal Subdivision	DOWNING PLACE #1
Legal Lot Number	24
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	3
Census Block	3002
Census Tract	3904

Owner

11225 Downing Ln is owned and occupied by two individuals who bought it in February 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	11225 DOWNING LN, ROSCOE, IL 61073-7308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 2, 2024	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK
Oct 26, 2020	Deed of Trust, Mortgage · Conventional with PMI BLACKHAWK BK
Aug 1, 2017	Grant Deed, Transfer · Conventional with PMI ILLINOIS BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2024 · Amount on File
Deed Sale	Feb 2, 2024 · Amount on File
Prior Sale	Aug 1, 2017 · Amount on File
Deed Document Number	20242468
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Feb 2, 2024
Property Address	11225 DOWNING LN, ROSCOE, IL 61073-7308
Document Number	0000002468
Map Reference	BK44 PG29B
Instrument Date	Jan 31, 2024
Instrument	2402468
Transaction Type	Transfer
Record Updated	Feb 14, 2024
Title Company	TULSA ABSTRACT AND TITLE COMPANY, TUA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11225 DOWNING LN, ROSCOE, IL 61073-7308

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	11225 DOWNING LN, ROSCOE, IL 61073-7308

Mortgage

Document Number	0000002469
Date	Feb 2, 2024
Instrument	2402469

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.63%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	11225 DOWNING LN, ROSCOE, IL 61073-7308
Document Number	0001033352
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 18, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11225 DOWNING LN ROSCOE IL 610737308, ROSCOE, IL 61073-7308

Mortgage

Document Number	0001033352
Date	Nov 2, 2020
Instrument	1033352

Lender

Name	BLACKHAWK BK
Type	Bank
Address	BELOIT, WI 53511

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 1, 2017
Property Address	11225 DOWNING LN, ROSCOE, IL 61073-7308
Document Number	0001023181
Instrument Date	Jul 27, 2017
Instrument	1023181
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.85
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11225 DOWNING LN ROSCOE IL 610737308, ROSCOE, IL 61073-7308

Mortgage

Document Number	1023182
Date	Aug 1, 2017
Instrument	1023182

Lender

Name	ILLINOIS BK&TR
Address	ROCKFORD, IL 61114

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2047

Mortgage

Document Number	1023589,
Date	Aug 1, 2017
Instrument	1023589

Lender

Name	COMMUNITY DEV CORP
Type	Construction/Development Company
Address	CHICAGO, IL 60601

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 11225 Downing Ln was $5,303.

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	$5,303.00	$69,122 Land $13,850 Building $55,272	$207,366 Land $41,550 Building $165,816
2022	Homeowner's exemption	$51,792 Land $10,378 Building $41,414	$155,376 Land $31,134 Building $124,242

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 11225 Downing Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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

Wildfire risk around 11225 Downing 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	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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Metronet.

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