9908 Clay Ct, Roscoe, IL 61073 Property Records

Winnebago County property record for 9908 Clay Ct, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,418 sqft · built 1995
Lot Size	0.563 acres (24,533 sqft)
Owner	2 Individual Names on File
Deeds & Mortgages	Jul 2026 Mortgage Oct 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-03-401-007`

Property Details

APN / Parcel Number

Primary APN	`08-03-401-007`
Alternative APNs	`803401007` `111D461`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,418 sqft Living Area
1st Floor Area	1,418 sqft
Basement Area	1,418 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	24,533 sqft (0.563 acres)
Lot Dimensions	217 ft deep x 118 ft wide
Garage Area	528 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	9908 CLAY CT
City	ROSCOE
State	IL
Zip	61073-7120
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 361
Legal Range	2
Legal Township	45
Legal Section	3
Legal Subdivision	PLAT NO 10 SAGEWOOD SUB
Legal Lot Number	361
Jurisdiction	WINNEBAGO IL
Township / Civil Division	HARLEM
Census Block Group	3
Census Block	3004
Census Tract	3806

Owner

9908 Clay Ct is owned and occupied by two individuals who acquired it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	9908 CLAY CT, ROSCOE, IL 61073-7120
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
Jul 9, 2026	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 23, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Aug 25, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Feb 12, 2020	Quit Claim Deed, Transfer · VA Mortgage FREEDOM MTG
Oct 26, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2020
Deed Sale	Feb 12, 2020
Deed Document Number	20201004026
Prior Transfer Date	Feb 3, 2020
Prior Transfer Doc	0001004026
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	Jul 9, 2026
Property Address	9908 CLAY CT, ROSCOE, IL 61073-7120
Document Number	0000017492
Instrument Date	Jun 24, 2026
Instrument	202617492
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	SETTLEMENT COMPANY, AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9908 CLAY CT, ROSCOE, IL 61073-7120

Mortgage

Document Number	0000017492,
Date	Jul 9, 2026
Instrument	202617492

Lender

Name	NEW DAY FINANCIAL LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.88%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	9908 CLAY CT, ROSCOE, IL 61073-7120
Transaction Type	Mortgage
Record Updated	Nov 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025055
Date	Oct 23, 2023
Instrument	2325055

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.75%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	9908 CLAY CT, ROSCOE, IL 61073-7120
Transaction Type	Mortgage
Record Updated	Sep 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026298
Date	Aug 25, 2022
Instrument	2226298

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Feb 12, 2020
Property Address	9908 CLAY CT, ROSCOE, IL 61073-7120
Document Number	0001004026
Instrument Date	Feb 3, 2020
Instrument	1004026
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9908 CLAY CT ROSCOE IL 610737120, ROSCOE, IL 61073-7120

Mortgage

Document Number	1004027
Date	Feb 12, 2020
Instrument	1004027

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Feb 11, 2048

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	9908 CLAY CT, ROSCOE, IL 61073-7120
Document Number	0001035527
Instrument Date	Oct 26, 2017
Transaction Type	Mortgage
Record Updated	Nov 15, 2017
Title Company	COMMONWEALTH USA SETTLEMENTS L

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9908 CLAY CT ROSCOE IL 610737120, ROSCOE, IL 61073-7120

Mortgage

Document Number	0001035527
Date	Nov 2, 2017
Instrument	1035527

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Interest

Rate	4.75%

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	Assessed Value	Assessed Market Value
2025	$73,727 Land $14,716 Building $59,011	$221,181 Land $44,148 Building $177,033

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

FEMA maps place 9908 Clay Ct 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 9908 Clay Ct 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 95% of the US · lower than 70% 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 135 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 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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