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Single Family ResidenceResidential
$297,630$171 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $27,000 on Mar 15, 2003

10972 COTTON THISTLE

ROSCOE, IL 61073
3
Beds
2
Baths
1,744 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$298K
$277K low$318K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$27,000 · Mar 15, 2003
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$142,560
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$114,048
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.51%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$130,070
FREEDOM MTG · recorded Dec 21, 2015
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$25,000
FIRST NORTHERN CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,892 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$75,990 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$17,452
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$58,538
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$69,537
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$227,970

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.48
56
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
25
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
69
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
62
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
31
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.19 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.25
HeatingThe type of heating system in the home.Gas
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Roscoe Middle SchoolB+
Middle · Grades 6–8 · 2.4 mi
H
Hononegah Chd High SchoolC
High · Grades 9–12 · 2.7 mi
E
Ledgewood Elementary School
Elementary · Grades PK–1 · 3.8 mi

District: Hononegah Community High School District 207

Neighborhood · ZIP 61073These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.42
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.20,151
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.730 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$100,696
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$122,657
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

10972 Cotton Thistle measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 80% of homes in Winnebago County
  • Costs less per square foot than 80% of homes in Roscoe 61073
  • Has a smaller lot than 97% of homes in Roscoe 61073
  • Newer than 90% of homes in Winnebago County

What homes are worth in Roscoe 61073

Each bar is how many homes fall in that price range. The marker is this home.

This home
$173K$656K

This home is worth more than 35% of homes in Roscoe 61073.

How it measures up in Roscoe 61073

The dot is this home. The mark in the middle is the typical home in Roscoe 61073.

Estimated value$297,630
CheaperTypical $327,054Pricier

Pricier than 35% of homes nearby

Price per ft²$171
CheaperTypical $209Pricier

Pricier than 20% of homes nearby

Living area1,744 ft²
SmallerTypical 1,580 ft²Bigger

Bigger than 62% of homes nearby

Lot size0.25 ac
SmallerTypical 0.59 acBigger

Bigger than 3% of homes nearby

Year built2002
OlderTypical 1991Newer

Newer than 77% of homes nearby

How 10972 Cotton Thistle ranks against every home in each area.
MeasureThis homeRoscoe 61073Winnebago County
Estimated valuepricier than$297,63035% of homes80% of homes
Price per ft²pricier than$17120% of homes79% of homes
Living areabigger than1,744 ft²62% of homes60% of homes
Lot sizebigger than0.25 ac3% of homes43% of homes
Year builtnewer than200277% of homes90% of homes

About 10972 Cotton Thistle

How much is 10972 Cotton Thistle, Roscoe, IL worth?

The TopHap Estimate for 10972 Cotton Thistle, Roscoe, IL is $297,630 as of Jul 14, 2026. The likely range is $277,479 to $317,781. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10972 Cotton Thistle, Roscoe, IL last sell?

10972 Cotton Thistle, Roscoe, IL last sold on Mar 15, 2003 for $27,000, according to the county's recorded deed.

How big is 10972 Cotton Thistle, Roscoe, IL?

10972 Cotton Thistle, Roscoe, IL has 3 bedrooms, 2 bathrooms, 1,744 square feet of living space and a 0.25-acre lot.

When was 10972 Cotton Thistle, Roscoe, IL built?

10972 Cotton Thistle, Roscoe, IL was built in 2002, making it 24 years old. The building has 1 story.

What schools serve 10972 Cotton Thistle, Roscoe, IL?

10972 Cotton Thistle, Roscoe, IL is assigned to Roscoe Middle School (middle), rated B+; Hononegah Chd High School (high), rated C; Ledgewood Elementary School (elementary). All sit in Hononegah Community High School District 207. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10972 Cotton Thistle, Roscoe, IL compare to other homes in Roscoe 61073?

Among the 7,163 homes in Roscoe 61073, it is worth more than 35% of them ($297,630 against a typical $327,054), its price per square foot is higher than 20% of them ($171 against a typical $209), it is bigger than 62% of them (1,744 ft² against a typical 1,580 ft²), its lot is bigger than 3% of them (0.25 ac against a typical 0.59 ac) and it is newer than 77% of them (2002 against a typical 1991). Measured against all of Winnebago County, it is worth more than 80% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 10972 Cotton Thistle, Roscoe, IL?

The 2025 property tax bill for 10972 Cotton Thistle, Roscoe, IL was $5,892. The county assessed it at $75,990.

More homes on Cotton Thistle

Closest homes

More homes in Roscoe 61073

Assigned schools

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