523 Merilot Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 523 Merilot Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,374 sqft · built 1998
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$142,000 (Oct 2018)
Tax Bill	$5,684 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-32-352-005`

Property Details

APN / Parcel Number

Primary APN	`04-32-352-005`
Alternative APNs	`432352005` `032C357`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,374 sqft Living Area
Basement Area	682 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Garage Area	840 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	523 MERILOT DR
City	ROSCOE
State	IL
Zip	61073-6310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - SINGL
Legal Description	CHICORY RIDGE NO 2 PT SW 1/4 SEC 32-46-2 LOT 57
Legal Range	2
Legal Township	46
Legal Section	32
Legal Subdivision	CHICORY RDG SUB 2
Legal Lot Number	57
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	2
Census Block	2011
Census Tract	3901

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	Individual Name on Record
Mailing Address	523 MERILOT DR, ROSCOE, IL 61073-6310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2020	Quit Claim Deed, Transfer FIRST NAT'L BK
Oct 5, 2018	Grant Deed, Transfer · FHA Mortgage MIDWEST CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2018 · Amount on Record
Deed Sale	Oct 5, 2018 · Amount on Record
Prior Sale	Oct 5, 2018 · Amount on Record
Deed Document Number	201829069
Last Transfer Date	Jun 5, 2020
Transfer Doc	0001015524
Record Updated	Oct 29, 2026

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 15, 2020
Property Address	523 MERILOT DR, ROSCOE, IL 61073-6310
Document Number	0001015524
Instrument Date	Jun 5, 2020
Instrument	1015524
Transaction Type	Transfer
Record Updated	Jul 2, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 MERILOT DR ROSCOE IL 610736310, ROSCOE, IL 61073-6310

Mortgage

Document Number	1015525
Date	Jun 15, 2020
Instrument	1015525

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2050

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Oct 5, 2018
Property Address	523 MERILOT DR, ROSCOE, IL 61073-6310
Document Number	0001029069
Instrument Date	Sep 27, 2018
Instrument	1029069
Transaction Type	Transfer
Record Updated	Nov 9, 2018
Title Company	SECURITY FIRST TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$212.85
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	523 MERILOT DR ROSCOE IL 610736310, ROSCOE, IL 61073-6310

Mortgage

Document Number	1029070
Date	Oct 5, 2018
Instrument	1029070

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	ROCKFORD, IL 61114

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2048

Mortgage

Document Number	1029071,
Date	Oct 5, 2018
Instrument	1029071

Lender

Name	ILLINOIS HSNG DEV AUTHORITY
Address	CHICAGO, IL 60601

Agreement

Amount	Amount Recorded

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
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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,684.00	$73,658 (+33.46%) Land $17,222 Building $56,436	$220,974 (+33.46%) Land $51,666 Building $169,308
2022	Homeowner's exemption	$55,190 Land $12,904 Building $42,286	$165,570 Land $38,712 Building $126,858

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 94% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: T-Mobile, Verizon.

Nearby Properties on Merilot Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures