3989 Montclair Rd, Roscoe, IL 61073 Property Records

Winnebago County property record for 3989 Montclair Rd, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,965 sqft · built 1985
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (May 2004)
Tax Bill	$7,347 (2025)
Deeds & Mortgages	Dec 2020 Transfer Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-20-301-004`

Property Details

APN / Parcel Number

Primary APN	`04-20-301-004`
Alternative APNs	`420301004` `020C002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,965 sqft Living Area
Basement Area	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Lot Area	25,700 sqft (0.59 acres)
Garage Area	440 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	3989 MONTCLAIR RD
City	ROSCOE
State	IL
Zip	61073-8973
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 002
Legal Range	2
Legal Township	46
Legal Section	20
Legal Subdivision	RIDGEFIELD SUB
Legal Lot Number	002
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3989 MONTCLAIR RD, ROSCOE, IL 61073-8973
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2004 · Amount on Record
Deed Sale	May 21, 2004 · Amount on Record
Deed Document Number	2004433838
Record Updated	Sep 20, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 23, 2020
Property Address	3989 MONTCLAIR RD, ROSCOE, IL 61073-8973
Document Number	0001039744
Instrument Date	Dec 22, 2020
Instrument	1039744
Transaction Type	Transfer
Record Updated	Mar 26, 2021
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	3989 MONTCLAIR RD ROSCOE IL 610738973, ROSCOE, IL 61073-8973

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3989 MONTCLAIR RD, ROSCOE, IL 61073-8973
Document Number	0001009564
Instrument Date	Mar 23, 2017
Transaction Type	Mortgage
Record Updated	Apr 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3989 MONTCLAIR RD ROSCOE IL 610738973, ROSCOE, IL 61073-8973

Mortgage

Document Number	0001009564
Date	Mar 29, 2017
Instrument	1009564

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	BELOIT, WI 53511

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 28, 2027

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	$7,347.00	$98,981 (+33.46%) Land $19,743 Building $79,238	$296,943 (+33.46%) Land $59,229 Building $237,714
2022	Homeowner's exemption	$74,165 Land $14,793 Building $59,372	$222,495 Land $44,379 Building $178,116

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

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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