7825 Joy Ln, Roscoe, IL 61073 Property Records

Winnebago County property record for 7825 Joy Ln, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,258 sqft · built 1997
Lot Size	0.63 acres (27,460 sqft)
Owner	Individual on Record
Last Sale	$463,500 (Jan 2026)
Tax Bill	$11,674 (2024)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Apr 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-02-254-007`

Property Details

APN / Parcel Number

Primary APN	`08-02-254-007`
Alternative APN	`110A198`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,258 sqft Living Area
1st Floor Area	1,613 sqft
Basement Area	1,613 sqft
Finished Basement	1,613 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Custom Design
Exterior Material	Vinyl
Roof Material	Asphalt
Lot Area	27,460 sqft (0.63 acres)
Garage Area	1,332 sqft
Deck Area	384 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Old Parcel Number	110A198
Street Address	7825 JOY LN
City	ROSCOE
State	IL
Zip	61073-8583
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PLAT NO 15 HINKLES WOODED ACRES BNG PTSEC 2-45-2 LOT 198
Legal Range	02
Legal Township	45
Legal Section	02
Legal Subdivision	HINKL ES
Legal Lot Number	198
Jurisdiction	WINNEBAGO IL
Township / Civil Division	HARLEM
Census Block Group	1
Census Block	1011
Census Tract	3806

Owner

Source: Winnebago County assessment roll, as of January 1, 2024

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

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	7825 JOY LN, ROSCOE, IL 61073-8583
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Warranty Deed, Transfer · VA Mortgage GREENSTATE CU
Apr 17, 2024	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Jul 18, 2023	Deed of Trust, Mortgage · Line of Credit SUMMIT CU
Jun 21, 2022	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2026 · Amount on Record
Deed Sale	Jan 22, 2026 · Amount on Record
Prior Sale	Apr 17, 2024 · Amount on Record
Deed Document Number	2601841
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jan 22, 2026
Property Address	7825 JOY LN, ROSCOE, IL 61073-8583
Document Number	0000001841
Map Reference	PB 38 PG 167A
Instrument Date	Jan 15, 2026
Instrument	2601841
Transaction Type	Transfer
Record Updated	Feb 25, 2026
Title Company	TULSA ABSTRACT AND TITLE COMPANY, TUA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$695.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7825 JOY LN, ROSCOE, IL 61073-8583

Mortgage

Document Number	0000001842
Date	Jan 22, 2026
Instrument	2601842

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.75%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Apr 17, 2024
Property Address	7825 JOY LN, ROSCOE, IL 61073-8583
Document Number	0000008482
Map Reference	BK38 PG167A
Instrument Date	Apr 15, 2024
Instrument	2408482
Transaction Type	Transfer
Record Updated	May 8, 2024
Title Company	TULSA ABSTRACT AND TITLE COMPANY, TUA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
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	7825 JOY LN, ROSCOE, IL 61073-8583

Mortgage

Document Number	0000008483
Date	Apr 17, 2024
Instrument	2408483

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.88%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	7825 JOY LN, ROSCOE, IL 61073-8583
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015956
Date	Jul 18, 2023
Instrument	2315956

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 21, 2022
Property Address	7825 JOY LN, ROSCOE, IL 61073-8583
Document Number	0000019291
Map Reference	BK38 PG167A
Instrument Date	Jun 10, 2022
Instrument	2219291
Transaction Type	Transfer
Record Updated	Jul 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$609.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7825 JOY LN, ROSCOE, IL 61073-8583

Mortgage

Document Number	0000019292
Date	Jun 21, 2022
Instrument	2219292

Lender

Name	GUILD MORTGAGE CO

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of January 1, 2024

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$11,674.00 Homeowner's exemption	$147,754 (+34.27%) Land $21,412 Building $126,342	$443,262 (+34.27%) Land $64,236 Building $379,026
2022	Homeowner's exemption	$110,045 Land $17,344 Building $92,701	$330,135 Land $52,032 Building $278,103

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

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.

Wildfire

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 160 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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