6385 Smoke Tree Cir, Roscoe, IL 61073 Property Records

Winnebago County property record for 6385 Smoke Tree Cir, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,052 sqft · built 1989
Lot Size	0.678 acres (29,530 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jun 2019)
Tax Bill	$5,909 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-03-376-004`

Property Details

APN / Parcel Number

Primary APN	`08-03-376-004`
Alternative APNs	`803376004` `111C114`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,052 sqft Living Area
1st Floor Area	1,362 sqft
Basement Area	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Tri-Level
Exterior Material	Concrete
Roof Material	Asphalt
Lot Area	29,530 sqft (0.678 acres)
Garage Area	578 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	111C114
Street Address	6385 SMOKE TREE CIR
City	ROSCOE
State	IL
Zip	61073-8349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - SINGL
Legal Description	PLAT NO 3 SAGEWOOD SUB BNG PT SW1/4 SEC 3-45-2 LOT 114
Legal Range	2
Legal Township	45
Legal Section	3
Legal Subdivision	PLAT NO 3 SAGEWOOD SUB
Legal Lot Number	114
Jurisdiction	WINNEBAGO IL
Township / Civil Division	HARLEM
Census Block Group	3
Census Block	3009
Census Tract	3806

Owner

6385 Smoke Tree Cir is owned and occupied by an individual who bought it in June 2019.

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

Owner of Record	Individual Name on File
Mailing Address	6385 SMOKE TREE CIR, ROSCOE, IL 61073-8349
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
Jun 21, 2019	Warranty Deed, Transfer · Conventional Mortgage MIDWEST CMNTY BK
Nov 1, 2017	Warranty Deed, Transfer · Conventional Mortgage ALPINE BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2019 · Amount on File
Deed Sale	Jun 21, 2019 · Amount on File
Prior Sale	Nov 1, 2017 · Amount on File
Deed Document Number	20191021038
Record Updated	Oct 29, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 21, 2019
Property Address	6385 SMOKE TREE CIR, ROSCOE, IL 61073-8349
Document Number	0001021038
Instrument Date	Jun 19, 2019
Instrument	1021038
Transaction Type	Transfer
Record Updated	Jul 17, 2019
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6385 SMOKE TREE CIR ROSCOE IL 610738349, ROSCOE, IL 61073-8349

Mortgage

Document Number	1021039
Date	Jun 21, 2019
Instrument	1021039

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	FREEPORT, IL 61032

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 20, 2034

Interest

Rate Type	Fixed Rate
Rate	3.87%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Nov 1, 2017
Property Address	6385 SMOKE TREE CIR, ROSCOE, IL 61073-8349
Document Number	0001035404
Instrument Date	Oct 27, 2017
Instrument	1035404
Transaction Type	Transfer
Record Updated	Nov 13, 2017
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6385 SMOKE TREE CIR ROSCOE IL 610738349, ROSCOE, IL 61073-8349

Mortgage

Document Number	1035405
Date	Nov 1, 2017
Instrument	1035405

Lender

Name	ALPINE BK&TR
Type	Bank
Address	ROCKFORD, IL 61107

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2047

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 6385 Smoke Tree Cir was $5,909 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	Harlem Township
Municipality	Roscoe Village
Unified School District	Harlem Unit School District 122 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,909.00	$78,231 Land $14,716 Building $63,515	$234,693 Land $44,148 Building $190,545
2022	Homeowner's exemption	$57,628 Land $10,840 Building $46,788	$172,884 Land $32,520 Building $140,364

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 6385 Smoke Tree Cir in Zone X, an area of minimal flood risk.

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

Wildfire risk around 6385 Smoke Tree Cir 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.

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 205 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 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Metronet, Verizon.

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