7952 Joy Ln, Roscoe, IL 61073 Property Records

Winnebago County property record for 7952 Joy Ln, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,484 sqft · built 2004
Lot Size	0.732 acres (31,869 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Aug 2021)
Tax Bill	$11,470 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jun 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-02-276-029`

Property Details

APN / Parcel Number

Primary APN	`08-02-276-029`
Alternative APNs	`802276029` `110A192`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,484 sqft Living Area
1st Floor Area	2,484 sqft
Basement Area	1,777 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Lot Area	31,869 sqft (0.732 acres)
Lot Dimensions	204 ft deep x 153 ft wide
Garage Area	772 sqft
Deck Area	196 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	7952 JOY LN
City	ROSCOE
State	IL
Zip	61073-8585
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 192
Legal Range	2
Legal Township	45
Legal Section	2
Legal Subdivision	HINKLES WOODED ACRES
Legal Lot Number	192
Jurisdiction	WINNEBAGO IL
Township / Civil Division	HARLEM
Census Block Group	1
Census Block	1007
Census Tract	3806

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7952 JOY LN, ROSCOE, IL 61073-8585
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK ROCKFORD
Jun 7, 2017	Warranty Deed, Transfer · Conventional Mortgage ENVOY MTG
Jun 7, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2021 · Amount on Record
Deed Sale	Aug 9, 2021 · Amount on Record
Prior Sale	Jun 7, 2017 · Amount on Record
Deed Document Number	202128121
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 9, 2021
Property Address	7952 JOY LN, ROSCOE, IL 61073-8585
Document Number	0000028121
Map Reference	PB38PG167ADOC1870661
Instrument Date	Jul 30, 2021
Instrument	2128121
Transaction Type	Transfer
Record Updated	May 19, 2022
Title Company	LAKESHORE TITLE LLC, LAKESHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
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	Tenants by the Entirety
Address	7952 JOY LN, ROSCOE, IL 61073-8585

Mortgage

Document Number	0000028122
Date	Aug 9, 2021
Instrument	2128122

Lender

Name	NORTHWEST BANK ROCKFORD

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 7, 2017
Property Address	7952 JOY LN, ROSCOE, IL 61073-8585
Document Number	0001017178
Instrument Date	May 25, 2017
Instrument	1017178
Transaction Type	Transfer
Record Updated	Jun 26, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7952 JOY LN ROSCOE IL 610738585, ROSCOE, IL 61073-8585

Mortgage

Document Number	1017179
Date	Jun 7, 2017
Instrument	1017179

Lender

Name	ENVOY MTG
Type	Mortgage Company
Address	HOUSTON, TX 77056

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2047

Interest

Rate Type	Fixed Rate
Rate	4.37%

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 7, 2017
Property Address	7952 JOY LN, ROSCOE, IL 61073-8585
Document Number	0001017177
Instrument Date	Mar 8, 2017
Instrument	1017177
Transaction Type	Transfer
Record Updated	Jun 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7952 JOY LN ROSCOE IL 610738585, ROSCOE, IL 61073-8585

Tax Assessment & Valuation

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

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
2025	$11,470.00 (+4.25%) Homeowner's exemption	$153,495 (+9.96%) Land $23,545 Building $129,950	$460,485 (+9.96%) Land $70,635 Building $389,850
2024	$11,002.00	$139,591 (+23.45%) Land $21,412 Building $118,179	$418,773 (+23.45%) Land $64,236 Building $354,537
2022	Homeowner's exemption	$113,071 Land $17,344 Building $95,727	$339,213 Land $52,032 Building $287,181

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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