12184 Bend River Rd, Roscoe, IL 61073 Property Records

Winnebago County property record for 12184 Bend River Rd, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,436 sqft · built 1980
Lot Size	0.72 acres (31,363 sqft)
Owner	2 Trust Names on File
Last Sale	$70,250 (May 2018)
Tax Bill	$5,596 (2025)
Deeds & Mortgages	Aug 2019 Transfer Oct 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-30-426-013`

Property Details

APN / Parcel Number

Primary APN	`04-30-426-013`
Alternative APNs	`430426013` `029C630`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,436 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	31,363 sqft (0.72 acres)
Garage Area	440 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	029C630
Street Address	12184 BEND RIVER RD
City	ROSCOE
State	IL
Zip	61073-8695
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PLAT 4 OLDE FARM SUB PT SW 1/4 SEC 29& SE 1/4 SEC 30-46-2 LOT 180
Legal Range	2
Legal Township	46
Legal Section	30
Legal Subdivision	PLAT 4 OLDE FARM SUB
Legal Lot Number	180
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKTON
Census Block Group	4
Census Block	4041
Census Tract	4002

Owner

12184 Bend River Rd is held in a trust since April 2019.

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

Owner of Record	2 Trust Names on File
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Aug 5, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 31, 2018	Deed of Trust, Mortgage · Line of Credit ADVIA CU
May 30, 2018	Grant Deed, Transfer USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2018 · Amount on File
Deed Sale	May 30, 2018 · Amount on File
Prior Sale	May 30, 2018 · Amount on File
Deed Document Number	20181014901
Last Transfer Date	Apr 30, 2019
Transfer Doc	0001026198
Record Updated	Oct 29, 2026

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 5, 2019
Property Address	12184 BEND RIVER RD, ROSCOE, IL 61073-8695
Document Number	0001026198
Instrument Date	Apr 30, 2019
Instrument	1026198
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12184 BEND RIVER RD ROSCOE IL 610738695, ROSCOE, IL 61073-8695

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	12184 BEND RIVER RD, ROSCOE, IL 61073-8695
Document Number	0001032228
Instrument Date	Oct 31, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12184 BEND RIVER RD ROSCOE IL 610738695, ROSCOE, IL 61073-8695

Mortgage

Document Number	0001032228
Date	Nov 5, 2018
Instrument	1032228

Lender

Name	ADVIA CU
Type	Credit Union
Address	PARCHMENT, MI 49004

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 4, 2038

Interest

Rate Type	Adjustable Rate

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WINNEBAGO IL
Recording Date	May 30, 2018
Property Address	12184 BEND RIVER RD, ROSCOE, IL 61073-8695
Document Number	0001014901
Instrument Date	Apr 20, 2018
Instrument	1014901
Transaction Type	Transfer
Record Updated	Jun 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105.38
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12184 BEND RIVER RD ROSCOE IL 610738695, ROSCOE, IL 61073-8695

Mortgage

Document Number	1014902
Date	May 30, 2018
Instrument	1014902

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 29, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12184 Bend River Rd was $5,596.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Rockton 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	$5,596.00	$71,699 Land $13,527 Building $58,172	$215,097 Land $40,581 Building $174,516
2022		$53,446 Land $10,083 Building $43,363	$160,338 Land $30,249 Building $130,089

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12184 Bend River Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 12, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 12184 Bend River Rd 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 98% of the US · lower than 86% 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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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