9885 Highstone Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 9885 Highstone Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,028 sqft · built 1995
Lot Size	0.597 acres (25,993 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Nov 2025)
Tax Bill	$5,910 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Aug 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-03-428-007`

Property Details

APN / Parcel Number

Primary APN	`08-03-428-007`
Alternative APNs	`803428007` `111D483`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,028 sqft Living Area
1st Floor Area	1,346 sqft
Basement Area	664 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Tri-Level
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	25,993 sqft (0.597 acres)
Lot Dimensions	231 ft deep x 108 ft wide
Garage Area	840 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	111D483
Street Address	9885 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 383
Legal Range	2
Legal Township	45
Legal Section	3
Legal Subdivision	PLAT NO 10 SAGEWOOD SUB
Legal Lot Number	383
Jurisdiction	WINNEBAGO IL
Township / Civil Division	HARLEM
Census Block Group	3
Census Block	3004
Census Tract	3806

Owner

Source: Winnebago County records, as of August 25, 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	9885 HIGHSTONE DR, ROSCOE, IL 61073-7112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD
Aug 2, 2023	Deed of Trust, Mortgage · Line of Credit BYRON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Deed Document Number	202530272
Record Updated	Oct 29, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Nov 18, 2025
Property Address	9885 HIGHSTONE DR, ROSCOE, IL 61073-7112
Document Number	0000030272
Map Reference	PB 39 PG 164A
Instrument Date	Nov 7, 2025
Instrument	2530272
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	MAGNUS TITLE AGENCY, MTA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
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 with Right of Survivorship
Address	9885 HIGHSTONE DR, ROSCOE, IL 61073-7112

Mortgage

Document Number	0000030273
Date	Nov 18, 2025
Instrument	2530273

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.5%

Mortgage

Document Number	0000030274
Date	Nov 18, 2025
Instrument	2530274

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2035

Interest

Rate Type	Fixed Rate

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	9885 HIGHSTONE DR, ROSCOE, IL 61073-7112
Transaction Type	Mortgage
Record Updated	Aug 24, 2023
Title Company	TULSA ABSTRACT AND TITLE COMPANY, TUA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017379
Date	Aug 2, 2023
Instrument	2317379

Lender

Name	BYRON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	8.25%

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	$5,910.00 (-0.07%)	$83,234 (+9.96%) Land $14,716 Building $68,518	$249,702 (+9.96%) Land $44,148 Building $205,554
2024	$5,914.00 Homeowner's exemption	$75,695 (+23.46%) Land $13,383 Building $62,312	$227,085 (+23.46%) Land $40,149 Building $186,936
2022	Homeowner's exemption	$61,313 Land $10,840 Building $50,473	$183,939 Land $32,520 Building $151,419

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	Not rated no burnable land within 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 53 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
AT&T Fixed Wireless	100 / 20

May also be available: Metronet.

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