631 Overture Way, Roscoe, IL 61073 Property Records

Winnebago County property record for 631 Overture Way, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,764 sqft · built 2007
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$311,500 (Mar 2025)
Tax Bill	$5,797 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-06-254-007`

Property Details

APN / Parcel Number

Primary APN	`08-06-254-007`
Alternative APN	`806254007`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,764 sqft Living Area
Basement Area	1,764 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	14,375 sqft (0.33 acres)
Garage Area	700 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	631 OVERTURE WAY
City	ROSCOE
State	IL
Zip	61073-6425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - SINGL
Legal Description	CRYSTAL HILLS NO 4 PT NE1/4 SEC 6-45-2LOT 151
Legal Range	2
Legal Township	45
Legal Section	6
Legal Subdivision	CRYSTAL HILLS NO 4
Legal Lot Number	151
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	3
Census Block	3029
Census Tract	3801

Owner

631 Overture Way is owned and occupied by two individuals who bought it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	631 OVERTURE WAY, ROSCOE, IL 61073-6425
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Mar 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Jun 11, 2020	Deed of Trust, Mortgage · Conventional with PMI PLATINUM HM MTG
Sep 14, 2018	Deed of Trust, Mortgage · FHA Mortgage PLATINUM HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2025 · Amount on File
Deed Sale	Mar 18, 2025 · Amount on File
Prior Sale	Aug 15, 2008 · Amount on File
Deed Document Number	20256229
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	631 OVERTURE WAY, ROSCOE, IL 61073-6425
Transaction Type	Mortgage
Record Updated	Apr 19, 2023
Title Company	TULSA ABSTRACT AND TITLE COMPANY, TUA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006615
Date	Mar 30, 2023
Instrument	2306615

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2033

Interest

Rate Type	Fixed Rate
Rate	6.88%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	631 OVERTURE WAY, ROSCOE, IL 61073-6425
Document Number	0001016590
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	631 OVERTURE WAY ROSCOE IL 610736425, ROSCOE, IL 61073-6425

Mortgage

Document Number	0001016590
Date	Jun 23, 2020
Instrument	1016590

Lender

Name	PLATINUM HM MTG
Type	Mortgage Company
Address	ROLLING MEADOWS, IL 60008

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 22, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	631 OVERTURE WAY, ROSCOE, IL 61073-6425
Document Number	0001027304
Instrument Date	Sep 14, 2018
Transaction Type	Mortgage
Record Updated	Oct 18, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	631 OVERTURE WAY ROSCOE IL 610736425, ROSCOE, IL 61073-6425

Mortgage

Document Number	0001027304
Date	Sep 20, 2018
Instrument	1027304

Lender

Name	PLATINUM HM MTG
Type	Mortgage Company
Address	ROLLING MEADOWS, IL 60008

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2048

Interest

Rate Type	Fixed Rate
Rate	5.25%

Tax Assessment & Valuation

The 2025 property tax bill for 631 Overture Way was $5,797.

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	Rockton School District 140 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,797.00	$81,352 Land $17,222 Building $64,130	$244,056 Land $51,666 Building $192,390
2022	Homeowner's exemption	$60,956 Land $12,904 Building $48,052	$182,868 Land $38,712 Building $144,156

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 631 Overture Way in Zone X, an area of minimal flood risk, though there have been 76 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	76 (1978–2019)
Claims Outside the SFHA	4 of 76
Most Recent Claim	Oct 2019 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 4 claims Severe Storms And Flooding, Jul 2010 · 21 claims

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 631 Overture Way 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 95% of the US · lower than 70% 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 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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