Winnebago County property record for 12451 Whispering Winds Dr, Roscoe, IL 61073
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,809 sqft · built 2006 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $371,000 (May 2022) |
| Tax Bill | $11,565 (2025) |
| Deeds & Mortgages | May 2022 Sale Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-25-201-008 |
| Primary APN | 04-25-201-008 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,809 sqft Living Area |
| Basement Area | 1,809 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick |
| Lot Area | 24,829 sqft (0.57 acres) |
| Garage Area | 841 sqft |
| Deck Area | Deck Area |
| Heating Fuel | Gas |
|---|
| Street Address | 12451 WHISPERING WINDS DR |
|---|---|
| City | ROSCOE |
| State | IL |
| Zip | 61073-7556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | WHISPERING WINDS NO 4 PT NE1/4 SEC 25-46-2 LOT 51 |
| Legal Range | 2 |
| Legal Township | 46 |
| Legal Section | 25 |
| Legal Subdivision | WHISPERING WINDS 04 |
| Legal Lot Number | 51 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | ROSCOE |
| Census Block Group | 4 |
| Census Block | 4033 |
| Census Tract | 3903 |
12451 Whispering Winds Dr is owned and occupied by two individuals who bought it in May 2022.
Source: Winnebago County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12451 WHISPERING WINDS DR, ROSCOE, IL 61073-7556 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 10, 2022 | Warranty Deed, Transfer |
| Oct 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2022 · Amount on File |
| Deed Sale | May 10, 2022 · Amount on File |
| Prior Sale | Dec 20, 2005 · Amount on File |
| Deed Document Number | 202214942 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | May 10, 2022 |
| Property Address | 12451 WHISPERING WINDS DR, ROSCOE, IL 61073-7556 |
| Document Number | 0000014942 |
| Map Reference | BK41 PG 86B |
| Instrument Date | May 6, 2022 |
| Instrument | 2214942 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $556.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12451 WHISPERING WINDS DR, ROSCOE, IL 61073-7556 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 12451 WHISPERING WINDS DR, ROSCOE, IL 61073-7556 |
| Document Number | 0001030302 |
| Instrument Date | Oct 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12451 WHISPERING WINDS DR ROSCOE IL 610737556, ROSCOE, IL 61073-7556 |
| Document Number | 0001030302 |
|---|---|
| Date | Oct 7, 2020 |
| Instrument | 1030302 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 6, 2035 |
| Rate | 2.87% |
|---|
The 2025 property tax bill for 12451 Whispering Winds Dr was $11,565 with exemptions applied.
Source: Winnebago County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Winnebago County |
| County Subdivision | Roscoe Township |
| Secondary School District | Hononegah Community High School District 207 (09 - 12) |
| Elementary School District | Kinnikinnick Community Consolidated School District 131 (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,565.00 | $159,481 Land $24,767 Building $134,714 | $478,443 Land $74,301 Building $404,142 |
| 2022 | Homeowner's exemption | $119,496 Land $18,557 Building $100,939 | $358,488 Land $55,671 Building $302,817 |
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.
FEMA maps place 12451 Whispering Winds Dr 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 risk around 12451 Whispering Winds 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 95% of the US · lower than 70% 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.
Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures