Winnebago County property record for 4644 Osborne Rd, Winnebago, IL 61088
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 2,880 sqft · built 1998 |
| Lot Size | 1.28 acres (56,192 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,184 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 1431200004 |
| Primary APN | 1431200004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,880 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Basement Area | 1,440 sqft |
| Finished Basement | 1,440 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 56,192 sqft |
| Garage Area | 624 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 535 003 |
|---|---|
| Street Address | 4644 OSBORNE RD |
| City | WINNEBAGO |
| State | IL |
| Zip | 61088-9441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | AG |
| Legal Description | S 150 FT N 839 FT W 375 FT PT NE1/4 SEC SEC: 31 TWP: 26 RANGE: 11 ACRES: 1.29 |
| Legal Range | 11E |
| Legal Township | 26N |
| Legal Section | 31 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | WINNEBAGO |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 4200 |
4644 Osborne Rd, a rural home, is owned and occupied by two individuals who acquired it in April 2022.
Source: Winnebago County records, as of August 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11976 MONTAGUE RD, WINNEBAGO, IL 61088-9433 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 4, 2022 |
| Transfer Doc | 0000011137 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Jul 23, 2026 |
| Property Address | 4644 OSBORNE RD, WINNEBAGO, IL 61088-9441 |
| Document Number | 0000018846 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 202618846 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 4644 OSBORNE RD, WINNEBAGO, IL 61088-9441 |
| Document Number | 0000018846, |
|---|---|
| Date | Jul 23, 2026 |
| Instrument | 202618846 |
| Name | FORESIGHT BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2025 property tax bill for 4644 Osborne Rd was $5,184 with a homeowner's exemption.
Source: Winnebago County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Winnebago County |
| County Subdivision | Winnebago Township |
| Unified School District | Winnebago Community Unit School District 323 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,184.00 | $75,516 Land $13,728 Building $61,788 | $226,548 Land $41,184 Building $185,364 |
| 2022 | Homeowner's exemption | $57,433 Land $10,546 Building $46,887 | $172,299 Land $31,638 Building $140,661 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4644 Osborne Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.
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 Claims | 3 (1978) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Jul 1978 · rainfall accumulation |
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 risk around 4644 Osborne 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.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AaroBand Fixed Wireless | 100 / 50 |
| Rise Broadband Fixed Wireless | 50 / 10 |
| Verizon Fixed Wireless | 25 / 6 |
| T-Mobile Fixed Wireless | 25 / 3 |
5G (outdoors only) and 4G LTE
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