4070 Montclair Rd, Roscoe, IL 61073 Property Records

Winnebago County property record for 4070 Montclair Rd, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,762 sqft · built 1977
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Last Sale	$136,500 (Aug 2011)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-20-301-013`

Property Details

APN / Parcel Number

Primary APN	`04-20-301-013`
Alternative APN	`020C013A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,762 sqft Living Area

Exterior

Year Built	Built 1977
Lot Area	20,909 sqft (0.48 acres)

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Old Parcel Number	020C013A
Street Address	4070 MONTCLAIR RD
City	ROSCOE
State	IL
Zip	61073-7400
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 11 FT TRI TR IN SW COR LOT 14 &ALL LOT 013
Legal Range	02
Legal Township	46
Legal Section	20
Legal Subdivision	RIDGEFIELD SUB
Legal Tract	1N
Legal Lot Number	13-14
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	1
Census Block	1048
Census Tract	4005

Owner

Source: Winnebago County records, as of May 13, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4070 MONTCLAIR RD, ROSCOE, IL 61073-7400
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2025	Deed of Trust, Mortgage · Line of Credit ADIVIA CU
Nov 22, 2023	Deed of Trust, Mortgage · Line of Credit ADIVIA CU
Sep 21, 2020	Deed of Trust, Mortgage · Line of Credit ADVIA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2011 · Amount on Record
Deed Sale	Aug 16, 2011 · Amount on Record
Prior Sale	Oct 24, 2014
Deed Document Number	0001027844
Last Transfer Date	Sep 3, 2015
Transfer Doc	0001027790
Record Updated	Jun 7, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	4070 MONTCLAIR RD, ROSCOE, IL 61073-7400
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033476
Date	Dec 26, 2025
Instrument	2533476

Lender

Name	ADIVIA CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 25, 2045

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	4070 MONTCLAIR RD, ROSCOE, IL 61073-7400
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027733
Date	Nov 22, 2023
Instrument	2327733

Lender

Name	ADIVIA CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 21, 2043

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	4070 MONTCLAIR RD, ROSCOE, IL 61073-7400
Document Number	0001028634
Instrument Date	Sep 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 6, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4070 MONTCLAIR RD ROSCOE IL 610737400, ROSCOE, IL 61073-7400

Mortgage

Document Number	0001028634
Date	Sep 25, 2020
Instrument	1028634

Lender

Name	ADVIA CU
Type	Credit Union
Address	PARCHMENT, MI 49004

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 24, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of January 1, 2022

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
2022	Homeowner's exemption	$62,528 Land $14,793 Building $47,735	$187,584 Land $44,379 Building $143,205

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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