Winnebago County property record for 7404 Joy Ln, Roscoe, IL 61073
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,685 sqft · built 1995 |
| Lot Size | 0.74 acres (32,222 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (Nov 2024) |
| Tax Bill | $10,354 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Jan 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-02-180-007 |
| Primary APN | 08-02-180-007 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,685 sqft Living Area |
| 1st Floor Area | 1,405 sqft |
| Basement Area | 1,405 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 32,222 sqft (0.74 acres) |
| Lot Dimensions | 233 ft deep x 181 ft wide |
| Garage Area | 556 sqft |
| Deck Area | 209 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 110B156 |
|---|---|
| Street Address | 7404 JOY LN |
| City | ROSCOE |
| State | IL |
| Zip | 61073-8573 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | PLAT NO 13 HINKLES WOODED ACRES BNG PTN1/2 SEC 2- 45-2 LOT 156 |
| Legal Subdivision | HINKLES WOODED ACRES |
| Legal Lot Number | 156 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | HARLEM |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 3806 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 7404 JOY LN, ROSCOE, IL 61073-8573 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 21, 2024 | Deed of Trust, Mortgage · Line of Credit ADIVIA CU |
| Jan 13, 2023 | Deed of Trust, Mortgage · Line of Credit ADIVIA CU |
| Jun 21, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ADIVIA CU |
| Mar 8, 2018 | Deed of Trust, Mortgage · Line of Credit ADVIA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 2024 · Amount on Record |
| Deed Sale | Nov 14, 2024 · Amount on Record |
| Prior Sale | Nov 17, 1994 · Amount on Record |
| Deed Document Number | 202428090 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 7404 JOY LN, ROSCOE, IL 61073-8573 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000003734 |
|---|---|
| Date | Feb 21, 2024 |
| Instrument | 2403734 |
| Name | ADIVIA CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 20, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 7404 JOY LN, ROSCOE, IL 61073-8573 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000875 |
|---|---|
| Date | Jan 13, 2023 |
| Instrument | 2300875 |
| Name | ADIVIA CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 12, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 7404 JOY LN, ROSCOE, IL 61073-8573 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000019280 |
|---|---|
| Date | Jun 21, 2022 |
| Instrument | 2219280 |
| Name | ADIVIA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 20, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 7404 JOY LN, ROSCOE, IL 61073-8573 |
| Document Number | 0001016523 |
| Instrument Date | Mar 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7404 JOY LN ROSCOE IL 610738573, ROSCOE, IL 61073-8573 |
| Document Number | 0001016523 |
|---|---|
| Date | Jun 14, 2018 |
| Instrument | 1016523 |
| Name | ADVIA CU |
|---|---|
| Type | Credit Union |
| Address | PARCHMENT, MI 49004 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 13, 2038 |
| Rate Type | Adjustable Rate |
|---|
Source: Winnebago County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Winnebago County |
| County Subdivision | Harlem Township |
| Secondary School District | Hononegah Community High School District 207 (09 - 12) |
| Elementary School District | Kinnikinnick Community Consolidated School District 131 (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,354.00 | $139,145 (+35.88%) Land $23,545 Building $115,600 | $417,435 (+35.88%) Land $70,635 Building $346,800 |
| 2022 | Homeowner's exemption | $102,404 Land $17,344 Building $85,060 | $307,212 Land $52,032 Building $255,180 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 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.
Source: FCC Broadband Data Collection, based on 77 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 |
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