9838 Highstone Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 9838 Highstone Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,735 sqft · built 1996
Lot Size	0.63 acres (27,452 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Dec 2018)
Tax Bill	$6,032 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-03-403-006`

Property Details

APN / Parcel Number

Primary APN	`08-03-403-006`
Alternative APNs	`803403006` `111D557`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,735 sqft Living Area
1st Floor Area	1,735 sqft
Basement Area	1,735 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	27,452 sqft (0.63 acres)
Lot Dimensions	216 ft deep x 127 ft wide
Garage Area	528 sqft
Deck Area	340 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	111D557
Street Address	9838 HIGHSTONE DR
City	ROSCOE
State	IL
Zip	61073-7113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - SINGL
Legal Description	PLAT NO 10 SAGEWOOD SUB BNG PT S1/2 SEC 3-45-2 LOT 457
Legal Range	2
Legal Township	45
Legal Section	3
Legal Subdivision	PLAT NO 10 SAGEWOOD SUB
Legal Lot Number	457
Jurisdiction	WINNEBAGO IL
Township / Civil Division	HARLEM
Census Block Group	3
Census Block	3006
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	9838 HIGHSTONE DR, ROSCOE, IL 61073-7113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · SBA Mortgage US SMALL BUSN ADMN
Dec 19, 2018	Warranty Deed, Transfer · Conventional with PMI JP MORGAN CHASE BK
Aug 31, 2017	Deed of Trust, Mortgage · Line of Credit HERITAGE CU
Aug 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2018 · Amount on Record
Deed Sale	Dec 19, 2018 · Amount on Record
Prior Sale	Dec 19, 2018 · Amount on Record
Deed Document Number	20181036718
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 22, 2026
Property Address	9838 HIGHSTONE DR, ROSCOE, IL 61073-7113
Document Number	0000015550
Instrument Date	Jun 12, 2026
Instrument	202615550
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9838 HIGHSTONE DR, ROSCOE, IL 61073-7113

Mortgage

Document Number	0000015550,
Date	Jun 22, 2026
Instrument	202615550

Lender

Name	US SMALL BUSN ADMN

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 12, 2041

Interest

Rate	2.88%
Max Rate	-1%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 19, 2018
Property Address	9838 HIGHSTONE DR, ROSCOE, IL 61073-7113
Document Number	0001036718
Instrument Date	Dec 14, 2018
Instrument	1036718
Transaction Type	Transfer
Record Updated	Jan 25, 2019
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9838 HIGHSTONE DR ROSCOE IL 610737113, ROSCOE, IL 61073-7113

Mortgage

Document Number	1036719
Date	Dec 19, 2018
Instrument	1036719

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2048

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	9838 HIGHSTONE DR, ROSCOE, IL 61073-7113
Document Number	0001028050
Instrument Date	Aug 31, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9838 HIGHSTONE DR ROSCOE IL 610737113, ROSCOE, IL 61073-7113

Mortgage

Document Number	0001028050
Date	Sep 13, 2017
Instrument	1028050

Lender

Name	HERITAGE CU
Type	Credit Union
Address	MADISON, WI 53704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Sep 12, 2039

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	9838 HIGHSTONE DR, ROSCOE, IL 61073-7113
Document Number	0001024733
Instrument Date	Aug 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9838 HIGHSTONE DR ROSCOE IL 610737113, ROSCOE, IL 61073-7113

Mortgage

Document Number	0001024733
Date	Aug 14, 2017
Instrument	1024733

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	ROCKFORD, IL 61114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2047

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
Municipality	Roscoe Village
Unified School District	Harlem Unit School District 122 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,032.00 (+6.87%) Homeowner's exemption	$79,734 (+9.96%) Land $14,716 Building $65,018	$239,202 (+9.96%) Land $44,148 Building $195,054
2024	$5,644.00	$72,512 (+23.46%) Land $13,383 Building $59,129	$217,536 (+23.46%) Land $40,149 Building $177,387
2022	Homeowner's exemption	$58,735 Land $10,840 Building $47,895	$176,205 Land $32,520 Building $143,685

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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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