Winnebago County property record for 497 Merilot Dr, Roscoe, IL 61073
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,218 sqft · built 1998 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $131,000 (Feb 2002) |
| Deeds & Mortgages | Jan 2026 Line of Credit Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-32-352-009 |
| Primary APN | 04-32-352-009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,218 sqft Living Area |
| Year Built | Built 1998 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,326 sqft (0.26 acres) |
| Heating System | Gas |
|---|
| Old Parcel Number | 032C353 |
|---|---|
| Street Address | 497 MERILOT DR |
| City | ROSCOE |
| State | IL |
| Zip | 61073-6310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - SINGLE FAM |
| Legal Description | CHICORY RIDGE NO 2 PT SW 1/4 SEC 32-46-2 LOT 53 |
| Legal Range | 02 |
| Legal Township | 46 |
| Legal Section | 32 |
| Legal Subdivision | CHICORY RDG SUB 2 |
| Legal Lot Number | 53 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | ROSCOE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 3901 |
Source: Winnebago County assessment roll, as of January 1, 2022
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 497 MERILOT DR, ROSCOE, IL 61073-6310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 16, 2026 | Deed of Trust, Mortgage · Line of Credit GREENSTATE CU |
| Aug 12, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Dec 16, 2020 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 27, 2002 · Amount on Record |
| Deed Sale | Feb 27, 2002 · Amount on Record |
| Prior Sale | Dec 16, 2020 · Amount on Record |
| Deed Document Number | 0000016248 |
| Last Transfer Date | Aug 12, 2021 |
| Transfer Doc | 0000028605 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 497 MERILOT DR, ROSCOE, IL 61073-6310 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001368 |
|---|---|
| Date | Jan 16, 2026 |
| Instrument | 2601368 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 15, 2041 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Aug 12, 2021 |
| Property Address | 497 MERILOT DR, ROSCOE, IL 61073-6310 |
| Document Number | 0000028605 |
| Map Reference | PB 41 PG 67B |
| Instrument Date | Aug 2, 2021 |
| Instrument | 2128605 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2022 |
| Title Company | RAVENSWOOD TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 497 MERILOT DR, ROSCOE, IL 61073-6310 |
| Document Number | 0000028606 |
|---|---|
| Date | Aug 12, 2021 |
| Instrument | 2128606 |
| Name | GUARANTEED RATE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 3.25% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Dec 16, 2020 |
| Property Address | 497 MERILOT DR, ROSCOE, IL 61073-6310 |
| Document Number | 0001038865 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 1038865 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2021 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 497 MERILOT DR ROSCOE IL 610736310, ROSCOE, IL 61073-6310 |
| Document Number | 1038866 |
|---|---|
| Date | Dec 16, 2020 |
| Instrument | 1038866 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 15, 2050 |
Source: Winnebago County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| County | Winnebago County |
| County Subdivision | Roscoe Township |
| Municipality | Roscoe Village |
| Secondary School District | Hononegah Community High School District 207 (09 - 12) |
| Elementary School District | Kinnikinnick Community Consolidated School District 131 (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Homeowner's exemption | $62,686 Land $12,904 Building $49,782 | $188,058 Land $38,712 Building $149,346 |
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.
Source: FEMA National Flood Hazard Layer, effective July 12, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTH PARK PWD serves 35,580 people · EPA ID IL2015500 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Metronet Holdings, T-Mobile USA, Verizon, WH i3B Bidco LLC/WH i3B Topco.
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