3942 Montclair Rd, Roscoe, IL 61073 Property Records

Winnebago County property record for 3942 Montclair Rd, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,828 sqft · built 1988
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Dec 2021)
Tax Bill	$6,759 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-20-301-008`

Property Details

APN / Parcel Number

Primary APN	`04-20-301-008`
Alternative APNs	`420301008` `020C008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,828 sqft Living Area
Basement Area	1,412 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Lot Area	22,651 sqft (0.52 acres)
Garage Area	572 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	3942 MONTCLAIR RD
City	ROSCOE
State	IL
Zip	61073-8974
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PLAT OF RIDGEFIELD SUB PT SW 1/4 SEC 20-46-2 LOT 008
Legal Range	2
Legal Township	46
Legal Section	20
Legal Subdivision	RIDGEFIELD SUB
Legal Lot Number	008
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	1
Census Block	1048
Census Tract	4005

Owner

3942 Montclair Rd is owned and occupied by two individuals who bought it in December 2021.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	3942 MONTCLAIR RD, ROSCOE, IL 61073-8974
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2021	Deed, Transfer · Conventional Mortgage ASSOCIATED BANK
Jul 5, 2018	Quit Claim Deed, Mortgage · Conventional Mortgage JPMORGAN CHASE BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2021 · Amount on File
Deed Sale	Dec 14, 2021 · Amount on File
Deed Document Number	202144861
Prior Transfer Date	Jun 26, 2018
Prior Transfer Doc	0001018940
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 14, 2021
Property Address	3942 MONTCLAIR RD, ROSCOE, IL 61073-8974
Document Number	0000044861
Map Reference	PB 36 PG 8A
Instrument Date	Dec 10, 2021
Instrument	2144861
Transaction Type	Transfer
Record Updated	May 19, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$397.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3942 MONTCLAIR RD, ROSCOE, IL 61073-8974

Mortgage

Document Number	0000044862
Date	Dec 14, 2021
Instrument	2144862

Lender

Name	ASSOCIATED BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

July 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jul 5, 2018
Property Address	3942 MONTCLAIR RD, ROSCOE, IL 61073-8974
Document Number	0001018940
Instrument Date	Jun 26, 2018
Instrument	1018940
Transaction Type	Mortgage
Record Updated	Jul 24, 2018
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	Personal Trust
Address	3942 MONTCLAIR RD ROSCOE IL 610738974, ROSCOE, IL 61073-8974

Mortgage

Document Number	1018941
Date	Jul 5, 2018
Instrument	1018941

Lender

Name	JPMORGAN CHASE BK NA
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3942 Montclair Rd was $6,759 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
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	$6,759.00	$92,778 Land $19,743 Building $73,035	$278,334 Land $59,229 Building $219,105
2022	Homeowner's exemption	$69,517 Land $14,793 Building $54,724	$208,551 Land $44,379 Building $164,172

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 3942 Montclair Rd in Zone X, an area of minimal flood risk.

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	1 in force

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 3942 Montclair 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 97% of the US · lower than 79% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ROCKTON serves 7,863 people · EPA ID IL2010350
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	3 ppb (2026–2028) action level 15 ppb
Copper	1.7 mg/L (2020–2022) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2023
Monitoring and Reporting	2 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 223 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 / 35

May also be available: Verizon.

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