9849 Highstone Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 9849 Highstone Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1995
Lot Size	0.574 acres (25,010 sqft)
Owner	2 Individual Names on File
Last Sale	$107,200 (Nov 1997)
Tax Bill	$3,026 (2025)
Deeds & Mortgages	Aug 2026 Transfer Jun 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-03-428-009`

Property Details

APN / Parcel Number

Primary APN	`08-03-428-009`
Alternative APNs	`803428009` `111D485`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft
Basement Area	1,680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	25,010 sqft (0.574 acres)
Lot Dimensions	197 ft deep x 125 ft wide
Garage Area	840 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	111D485
Street Address	9849 HIGHSTONE DR
City	ROSCOE
State	IL
Zip	61073-7112
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 385
Legal Range	2
Legal Township	45
Legal Section	3
Legal Subdivision	PLAT NO 10 SAGEWOOD SUB
Legal Lot Number	385
Jurisdiction	WINNEBAGO IL
Township / Civil Division	HARLEM
Census Block Group	3
Census Block	3004
Census Tract	3806

Owner

9849 Highstone Dr is owned and occupied by two individuals who bought it in November 1997.

Source: Winnebago County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9849 HIGHSTONE DR, ROSCOE, IL 61073-7112
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Jun 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 1997 · Amount on File
Deed Sale	Nov 28, 1997 · Amount on File
Deed Document Number	199760133
Record Updated	Oct 29, 2026

August 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 31, 2026
Property Address	9849 HIGHSTONE DR, ROSCOE, IL 61073-7112
Document Number	0000022957
Instrument Date	Aug 25, 2026
Instrument	202622957
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9849 HIGHSTONE DR, ROSCOE, IL 61073-7112

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 8, 2026
Property Address	9849 HIGHSTONE DR, ROSCOE, IL 61073-7112
Document Number	0000014327
Instrument Date	Jun 3, 2026
Instrument	202614327
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	9849 HIGHSTONE DR, ROSCOE, IL 61073-7112

Mortgage

Document Number	0000014327,
Date	Jun 8, 2026
Instrument	202614327

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Fixed Rate
Rate	8.5%
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	9849 HIGHSTONE DR, ROSCOE, IL 61073-7112
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015292
Date	May 12, 2022
Instrument	2215292

Lender

Name	LOAN DEPOT INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 9849 Highstone Dr was $3,026 with exemptions applied, down 3.6% from the year before.

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	$3,026.00 (-3.57%) Homeowner's exemption Senior Citizen's exemption	$79,365 (+9.96%) Land $14,716 Building $64,649	$238,095 (+9.96%) Land $44,148 Building $193,947
2024	$3,138.00	$72,176 Land $13,383 Building $58,793	$216,528 Land $40,149 Building $176,379
2022	Homeowner's exemption	$58,463 Land $10,840 Building $47,623	$175,389 Land $32,520 Building $142,869

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

Flood

FEMA maps place 9849 Highstone Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 9849 Highstone Dr is low, with less than a 0.01% annual chance of 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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