6897 W Gate Rd, Roscoe, IL 61073 Property Records

Winnebago County property record for 6897 W Gate Rd, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,248 sqft · built 1974
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	Sep 2022 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-27-277-010`

Property Details

APN / Parcel Number

Primary APN	`04-27-277-010`
Alternative APN	`027A040`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,248 sqft Living Area

Exterior

Year Built	Built 1974
Lot Area	50,094 sqft (1.15 acres)

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Old Parcel Number	027A040
Street Address	6897 W GATE RD
City	ROSCOE
State	IL
Zip	61073-9636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LYNNHURST SECOND ADDN BNG PT NE1/4 SEC27-46-2 LOT 011
Legal Range	02
Legal Township	46
Legal Section	27
Legal Subdivision	LYNNHURST SECOND ADD
Legal Lot Number	11
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	4
Census Block	4010
Census Tract	3903

Owner

Source: Winnebago County records, as of August 7, 2023

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	6897 W GATE RD, ROSCOE, IL 61073-9636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Dec 10, 2020	Warranty Deed, Transfer BLACKHAWK BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 10, 2020
Transfer Doc	0001038137
Record Updated	Jun 7, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	6897 W GATE RD, ROSCOE, IL 61073-9636
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027310
Date	Sep 2, 2022
Instrument	2227310

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 30, 2052

Interest

Rate Type	Fixed Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 10, 2020
Property Address	6897 W GATE RD, ROSCOE, IL 61073-9636
Document Number	0001038137
Instrument Date	Dec 4, 2020
Instrument	1038137
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6897 W GATE RD ROSCOE IL 610739636, ROSCOE, IL 61073-9636

Mortgage

Document Number	1038138
Date	Dec 10, 2020
Instrument	1038138

Lender

Name	BLACKHAWK BK
Type	Bank
Address	BELOIT, WI 53511

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2050

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of January 1, 2022

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Roscoe Township
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
2022	Homeowner's exemption	$110,312 Land $18,760 Building $91,552	$330,936 Land $56,280 Building $274,656

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 12, 2023

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 94% of the US · lower than 65% 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 70 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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