3982 Montclair Rd, Roscoe, IL 61073 Property Records

Winnebago County property record for 3982 Montclair Rd, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,510 sqft · built 1986
Lot Size	0.46 acres (20,038 sqft)
Owner	Company Name on Record
Last Sale	$230,000 (Feb 2023)
Tax Bill	$6,483 (2025)
Deeds & Mortgages	Feb 2023 Sale Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-20-301-010`

Property Details

APN / Parcel Number

Primary APN	`04-20-301-010`
Alternative APNs	`420301010` `020C010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,510 sqft Living Area
Basement Area	1,510 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Lot Area	20,038 sqft (0.46 acres)
Garage Area	672 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3982 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 010
Legal Range	2
Legal Township	46
Legal Section	20
Legal Subdivision	RIDGEFIELD SUB
Legal Lot Number	010
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	1
Census Block	1048
Census Tract	4005

Owner

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	Company Name on Record
Mailing Address	43 W 331 SANCTUARY TRL, ST CHARLES, IL 60175
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Warranty Deed, Transfer STEWART TITLE
Jul 19, 2019	Warranty Deed, Transfer NORTHWEST BK/ROCKFORD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2023 · Amount on Record
Deed Sale	Feb 21, 2023 · Amount on Record
Prior Sale	Jul 19, 2019 · Amount on Record
Deed Document Number	20233538
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Feb 21, 2023
Property Address	3982 MONTCLAIR RD, ROSCOE, IL 61073-8974
Document Number	0000003538
Map Reference	BK36 PG8A
Instrument Date	Dec 9, 2022
Instrument	2303538
Transaction Type	Transfer
Record Updated	Mar 15, 2023
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$345.00
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	43W331 SANCTUARY TRL, ST CHARLES, IL 60175-8139

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jul 19, 2019
Property Address	3982 MONTCLAIR RD, ROSCOE, IL 61073-8974
Document Number	0001024174
Instrument Date	Jun 24, 2019
Instrument	1024174
Transaction Type	Transfer
Record Updated	Aug 9, 2019
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount Recorded
Tax	$255.32
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	3982 MONTCLAIR RD ROSCOE IL 610738974, ROSCOE, IL 61073-8974

Mortgage

Document Number	1024175
Date	Jul 19, 2019
Instrument	1024175

Lender

Name	NORTHWEST BK/ROCKFORD
Type	Bank
Address	IL 61103

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jul 18, 2039

Interest

Rate Type	Fixed Rate

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
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	$6,483.00 (+3.4%)	$83,246 (+9.49%) Land $19,743 Building $63,503	$249,738 (+9.49%) Land $59,229 Building $190,509
2024	$6,270.00	$76,031 (+21.89%) Land $18,032 Building $57,999	$228,093 (+21.89%) Land $54,096 Building $173,997
2022	Homeowner's exemption	$62,375 Land $14,793 Building $47,582	$187,125 Land $44,379 Building $142,746

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	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

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.

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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