640 Roscoe Rd, Roscoe, IL 61073 Property Records

Winnebago County property record for 640 Roscoe Rd, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,632 sqft
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Aug 2022)
Tax Bill	$6,334 (2025)
Deeds & Mortgages	Aug 2022 Sale Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-06-226-002`

Property Details

APN / Parcel Number

Primary APN	`08-06-226-002`
Alternative APNs	`806226002` `114 002`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,632 sqft Living Area
Basement Area	1,632 sqft

Exterior

Architectural Style	Victorian
Foundation Type	Raised
Lot Area	43,560 sqft
Garage Area	1,424 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	640 ROSCOE RD
City	ROSCOE
State	IL
Zip	61073-9420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM - MULT
Legal Description	COMM AT THE INSECTN OF ELY LN OF RR &S LN OF ROSCOE RD TH E 400 FT TO POB TH E 181.50 FT S 240 FT W 181.5 FT TH N240 FT TO POB PT NE 1/4 SEC SEC: 6 TW
Legal Block	6
Legal Lot Number	11
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	3
Census Block	3011
Census Tract	3801

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	640 ROSCOE RD, ROSCOE, IL 61073-9420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Warranty Deed, Transfer
Jul 2, 2018	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2022 · Amount on Record
Deed Sale	Aug 22, 2022 · Amount on Record
Prior Sale	Nov 21, 1994 · Amount on Record
Deed Document Number	202225896
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 22, 2022
Property Address	640 ROSCOE RD, ROSCOE, IL 61073-9420
Document Number	0000025896
Instrument Date	Aug 19, 2022
Instrument	2225896
Transaction Type	Transfer
Record Updated	Sep 7, 2022

Transaction

Amount	Amount Recorded
Tax	$315.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 ROSCOE RD, ROSCOE, IL 61073-9420

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	640 ROSCOE RD, ROSCOE, IL 61073-9420
Document Number	0001019582
Instrument Date	Jul 2, 2018
Transaction Type	Mortgage
Record Updated	Aug 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 ROSCOE RD ROSCOE IL 610739420, ROSCOE, IL 61073-9420

Mortgage

Document Number	0001019582
Date	Jul 12, 2018
Instrument	1019582

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2048

Interest

Rate Type	Adjustable Rate

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	Rockton School District 140 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,334.00	$88,331 (+33.46%) Land $17,780 Building $70,551	$264,993 (+33.46%) Land $53,340 Building $211,653
2022	Homeowner's exemption	$66,184 Land $13,322 Building $52,862	$198,552 Land $39,966 Building $158,586

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 · 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

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

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 130 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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