8451 Al Ben Ken Rd, Roscoe, IL 61073 Property Records

Winnebago County property record for 8451 Al Ben Ken Rd, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,174 sqft · built 1996
Lot Size	0.585 acres (25,475 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,472 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-15-104-002`

Property Details

APN / Parcel Number

Primary APN	`08-15-104-002`
Alternative APNs	`815104002` `123B207`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,174 sqft Living Area
1st Floor Area	1,430 sqft
Basement Area	686 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Tri-Level
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	25,475 sqft (0.585 acres)
Lot Dimensions	200 ft deep x 127 ft wide
Garage Area	840 sqft
Deck Area	196 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	123B207
Street Address	8451 AL BEN KEN RD
City	ROSCOE
State	IL
Zip	61073-7148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PLAT OF ALTINOL ESTATES BNG PT NW1/4 NW1/4 SEC 15-45-2 LOT 7
Legal Range	2
Legal Township	45
Legal Section	15
Legal Subdivision	ALTINOL ESTATES
Legal Lot Number	7
Jurisdiction	WINNEBAGO IL
Township / Civil Division	HARLEM
Census Block Group	2
Census Block	2027
Census Tract	3805

Owner

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	8451 AL BEN KEN RD, ROSCOE, IL 61073-7148
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
May 9, 2019	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	8451 AL BEN KEN RD, ROSCOE, IL 61073-7148
Transaction Type	Mortgage
Record Updated	May 19, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007453
Date	Mar 4, 2021
Instrument	2107453

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	8451 AL BEN KEN RD, ROSCOE, IL 61073-7148
Document Number	0001016974
Instrument Date	May 9, 2019
Transaction Type	Mortgage
Record Updated	Jun 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8451 AL BEN KEN RD ROSCOE IL 610737148, ROSCOE, IL 61073-7148

Mortgage

Document Number	0001016974
Date	May 16, 2019
Instrument	1016974

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2049

Interest

Rate Type	Adjustable Rate
Rate	8.94%

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
Unified School District	Rockford School District 205 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,472.00	$87,935 (+35.75%) Land $14,570 Building $73,365	$263,805 (+35.75%) Land $43,710 Building $220,095
2022	Homeowner's exemption	$64,776 Land $10,732 Building $54,044	$194,328 Land $32,196 Building $162,132

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

Flood

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 Policies	2 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	NORTH PARK PWD serves 35,580 people · EPA ID IL2015500
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250

May also be available: i3 Broadband, Verizon.

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