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7685 Joy Ln, Roscoe, IL 61073 Property Records

Winnebago County property record for 7685 Joy Ln, Roscoe, IL 61073 · Last verified August 2023

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,473 sqft · built 1989
Lot Size0.701 acres (30,570 sqft)
Owner2 Individual Names on File
Last Sale$225,000 (Mar 2019)
Deeds & MortgagesSep 2020 Mortgage
Mar 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN08-02-254-003

Property Details

APN / Parcel Number

Primary APN08-02-254-003
Alternative APN
  • 110B167

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area2,473 sqft Living Area
1st Floor Area2,473 sqft
Basement Area2,121 sqft
Finished Basement2,121 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1989
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area30,570 sqft (0.701 acres)
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemCentral

Location & Zoning

Old Parcel Number110B167
Street Address7685 JOY LN
CityROSCOE
StateIL
Zip61073-8570
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPLAT NO 13 HINKLES WOODED ACRES BNG PTN1/2 SEC 2- 45-2 LOT 167
Legal Township04N
Legal SubdivisionHINKLES WOODED ACRES #13
Legal Lot Number167
JurisdictionWINNEBAGO IL
Township / Civil DivisionHARLEM
Census Block Group1
Census Block1011
Census Tract3806

Owner

Source: Winnebago County records · APN 08-02-254-003

Assessment roll updated January 1, 2022 · Last verified August 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address7685 JOY LN, ROSCOE, IL 61073-8570
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 10, 2020Deed of Trust, Mortgage · Conventional Mortgage
HERITAGE CU
Mar 13, 2019Grant Deed, Transfer · Conventional Mortgage
MIDLAND STATES BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 13, 2019 · Amount on Record
Deed SaleMar 13, 2019 · Amount on Record
Prior SaleSep 20, 2010
Deed Document Number1906186
Record UpdatedJun 07, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINNEBAGO IL
Property Address7685 JOY LN, ROSCOE, IL 61073-8570
Document Number0001027220
Instrument DateSep 10, 2020
Transaction TypeMortgage
Record UpdatedSep 28, 2020
Title CompanySECURITY FIRST TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address7685 JOY LN ROSCOE IL 610738570, ROSCOE, IL 61073-8570

Mortgage

Document Number0001027220
DateSep 16, 2020
Instrument1027220
Lender
NameHERITAGE CU
TypeCredit Union
AddressMADISON, WI 53704
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 15, 2050
Interest
Rate TypeFixed Rate
Rate3.25%

March 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionWINNEBAGO IL
Recording DateMar 13, 2019
Property Address7685 JOY LN, ROSCOE, IL 61073-8570
Document Number0001006186
Instrument DateMar 08, 2019
Instrument1006186
Transaction TypeTransfer
Record UpdatedApr 03, 2019
Title CompanyMETROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$337.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address7685 JOY LN ROSCOE IL 610738570, ROSCOE, IL 61073-8570

Mortgage

Document Number1006187
DateMar 13, 2019
Instrument1006187
Lender
NameMIDLAND STATES BK
TypeBank
AddressEFFINGHAM, IL 62401
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 12, 2049
Interest
Rate TypeFixed Rate
Rate4.62%

Tax Assessment & Valuation

Source: Winnebago County records · Assessment roll updated January 1, 2022 · Last verified August 2023

Property Jurisdictions

TypeName
StateIllinois
CountyWinnebago County
County SubdivisionHarlem Township
Secondary School DistrictHononegah Community High School District 207 (09 - 12)
Elementary School DistrictKinnikinnick Community Consolidated School District 131 (PK - 08)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2022Homeowner's exemption$89,864 Land $17,344 Building $72,520$269,592 Land $52,032 Building $217,560

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Winnebago County (17201C), updated July 12, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 77 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 35
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

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