6938 Michelle Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 6938 Michelle Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,698 sqft · built 1988
Lot Size	1.46 acres (64,033 sqft)
Owner	Trust Name on File
Tax Bill	$8,531 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-34-227-003`

Property Details

APN / Parcel Number

Primary APN	`04-34-227-003`
Alternative APNs	`434227003` `035B327`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,698 sqft Living Area
Basement Area	1,698 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick
Lot Area	64,033 sqft
Garage Area	715 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	035B327
Street Address	6938 MICHELLE DR
City	ROSCOE
State	IL
Zip	61073-9170
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	HICKORY KNOLL FIRST ADDN PT NE 1/4 NE1/4 SEC 34 & PT NW 1/4 NW 1/4 SEC 35-46-2 LOT 017
Legal Range	2
Legal Township	46
Legal Section	35
Legal Subdivision	HICKORY KNOLL FIRST ADDN
Legal Lot Number	017
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	2
Census Block	2008
Census Tract	3903

Owner

6938 Michelle Dr is owner-occupied and held in a trust since December 2018.

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

Owner of Record	Trust Name on File
Mailing Address	6938 MICHELLE DR, ROSCOE, IL 61073-9170
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jul 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK
Dec 21, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 19, 2018
Transfer Doc	0001036986
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	Jul 21, 2026
Property Address	6938 MICHELLE DR, ROSCOE, IL 61073-9170
Document Number	0000018585
Instrument Date	Jul 16, 2026
Instrument	202618585
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	6938 MICHELLE DR, ROSCOE, IL 61073-9170

Mortgage

Document Number	0000018585,
Date	Jul 21, 2026
Instrument	202618585

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 15, 2036

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	6938 MICHELLE DR, ROSCOE, IL 61073-9170
Transaction Type	Mortgage
Record Updated	May 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010513
Date	Mar 29, 2021
Instrument	2110513

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 21, 2018
Property Address	6938 MICHELLE DR, ROSCOE, IL 61073-9170
Document Number	0001036986
Instrument Date	Dec 19, 2018
Instrument	1036986
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	6938 MICHELLE DR ROSCOE IL 610739170, ROSCOE, IL 61073-9170

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	6938 MICHELLE DR, ROSCOE, IL 61073-9170
Document Number	0001038093
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6938 MICHELLE DR ROSCOE IL 610739170, ROSCOE, IL 61073-9170

Mortgage

Document Number	0001038093
Date	Nov 29, 2017
Instrument	1038093

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	ROCKFORD, IL 61114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 6938 Michelle Dr was $8,531 with exemptions applied.

Source: Winnebago County assessment roll, as of July 28, 2026

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
2025	$8,531.00	$120,533 Land $20,379 Building $100,154	$361,599 Land $61,137 Building $300,462
2022	Homeowner's exemption	$90,313 Land $15,270 Building $75,043	$270,939 Land $45,810 Building $225,129

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

Flood

FEMA maps place 6938 Michelle Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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	1 (1979)
Most Recent Claim	Mar 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 6938 Michelle 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	POPLAR GROVE WEST-COUNTRYSIDE serves 790 people · EPA ID IL0070350
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	2 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Metronet.

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