5845 Kelmor Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 5845 Kelmor Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1991
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$150,500 (Sep 2018)
Tax Bill	$6,173 (2025)
Deeds & Mortgages	May 2020 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-33-276-003`

Property Details

APN / Parcel Number

Primary APN	`04-33-276-003`
Alternative APNs	`433276003` `033A206`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Basement Area	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	20,038 sqft (0.46 acres)
Garage Area	566 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	033A206
Street Address	5845 KELMOR DR
City	ROSCOE
State	IL
Zip	61073-8849
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - SINGL
Legal Description	KELMOR SUB PT NE 1/4 SEC 33-46-2 LOT 06
Legal Range	2
Legal Township	46
Legal Section	33
Legal Subdivision	KELMOR SUB
Legal Lot Number	06
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	3
Census Block	3000
Census Tract	3904

Owner

5845 Kelmor Dr is owned and occupied by an individual who bought it in September 2018.

Source: Winnebago County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	5845 KELMOR DR, ROSCOE, IL 61073-8849
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.

Deeds, Mortgages & Sale History

Date	Document
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST CMNTY BK
Sep 5, 2018	Grant Deed, Transfer · Conventional Mortgage MIDWEST CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2018 · Amount on File
Deed Sale	Sep 5, 2018 · Amount on File
Prior Sale	Sep 5, 2018 · Amount on File
Deed Document Number	20181025672
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	5845 KELMOR DR, ROSCOE, IL 61073-8849
Document Number	0001013042
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	SECURITY FIRST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5845 KELMOR DR ROSCOE IL 610738849, ROSCOE, IL 61073-8849

Mortgage

Document Number	0001013042
Date	May 20, 2020
Instrument	1013042

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	FREEPORT, IL 61032

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 19, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 5, 2018
Property Address	5845 KELMOR DR, ROSCOE, IL 61073-8849
Document Number	0001025672
Instrument Date	Aug 31, 2018
Instrument	1025672
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	ALLIANCE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.75
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5845 KELMOR DR ROSCOE IL 610738849, ROSCOE, IL 61073-8849

Mortgage

Document Number	1025673
Date	Sep 5, 2018
Instrument	1025673

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	ROCKFORD, IL 61114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5845 Kelmor Dr was $6,173 with a homeowner's exemption.

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	$6,173.00	$80,485 Land $13,045 Building $67,440	$241,455 Land $39,135 Building $202,320
2022	Homeowner's exemption	$60,306 Land $9,774 Building $50,532	$180,918 Land $29,322 Building $151,596

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

FEMA maps place 5845 Kelmor Dr in Zone X, an area of minimal flood risk, though there have been 2 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 Policies	5 in force
Nearby Flood Claims	2 (1978–1979)
Most Recent Claim	Apr 1979 · 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

Wildfire risk around 5845 Kelmor Dr 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	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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, Verizon.

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