Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$319,091$270 / 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 91How 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 $130,000 on May 30, 1995

12657 CORTLAND LN

ROSCOE, IL 61073
4
Beds
2
Baths
1,184 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.
0.69 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$319K
$290K low$348K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$130,000 · May 30, 1995
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.$159,891
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$127,913
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.53%
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.$134,200
FIRST COMMUNITY CU · recorded Mar 6, 2012
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
ADVIA CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,684 (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.$104,649 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$19,743
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$84,906
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$95,579
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$313,947

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

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.0.69
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

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

H
Hononegah Chd High SchoolC
High · Grades 9–12 · 1.8 mi
M
Roscoe Middle SchoolB+
Middle · Grades 6–8 · 2.2 mi
E
Ledgewood Elementary School
Elementary · Grades PK–1 · 3.2 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

12657 Cortland Ln 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 85% of homes in Winnebago County
  • Costs more per square foot than 97% of homes in Winnebago County
  • Smaller than 88% of homes in Roscoe 61073
  • Has a bigger lot than 82% of homes in Winnebago County
  • Newer than 78% 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
$174K$650K

This home is worth more than 46% 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$319,091
CheaperTypical $326,764Pricier

Pricier than 46% of homes nearby

Price per ft²$270
CheaperTypical $209Pricier

Pricier than 80% of homes nearby

Living area1,184 ft²
SmallerTypical 1,576 ft²Bigger

Bigger than 12% of homes nearby

Lot size0.69 ac
SmallerTypical 0.6 acBigger

Bigger than 61% of homes nearby

Year built1992
OlderTypical 1992Newer

Newer than 53% of homes nearby

How 12657 Cortland Ln ranks against every home in each area.
MeasureThis homeRoscoe 61073Winnebago County
Estimated valuepricier than$319,09146% of homes85% of homes
Price per ft²pricier than$27080% of homes97% of homes
Living areabigger than1,184 ft²12% of homes22% of homes
Lot sizebigger than0.69 ac61% of homes82% of homes
Year builtnewer than199253% of homes78% of homes

About 12657 Cortland Ln

How much is 12657 Cortland Ln, Roscoe, IL worth?

The TopHap Estimate for 12657 Cortland Ln, Roscoe, IL is $319,091 as of Jul 14, 2026. The likely range is $290,230 to $347,952. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12657 Cortland Ln, Roscoe, IL last sell?

12657 Cortland Ln, Roscoe, IL last sold on May 30, 1995 for $130,000, according to the county's recorded deed.

How big is 12657 Cortland Ln, Roscoe, IL?

12657 Cortland Ln, Roscoe, IL has 4 bedrooms, 2 bathrooms, 1,184 square feet of living space and a 0.69-acre lot.

When was 12657 Cortland Ln, Roscoe, IL built?

12657 Cortland Ln, Roscoe, IL was built in 1992, making it 34 years old. The building has 2 stories.

What schools serve 12657 Cortland Ln, Roscoe, IL?

12657 Cortland Ln, Roscoe, IL is assigned to Hononegah Chd High School (high), rated C; Roscoe Middle School (middle), rated B+; 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 12657 Cortland Ln, Roscoe, IL compare to other homes in Roscoe 61073?

Among the 7,163 homes in Roscoe 61073, it is worth more than 46% of them ($319,091 against a typical $326,764), its price per square foot is higher than 80% of them ($270 against a typical $209), it is bigger than 12% of them (1,184 ft² against a typical 1,576 ft²), its lot is bigger than 61% of them (0.69 ac against a typical 0.6 ac) and it is newer than 53% of them (1992 against a typical 1992). Measured against all of Winnebago County, it is worth more than 85% 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 12657 Cortland Ln, Roscoe, IL?

The 2025 property tax bill for 12657 Cortland Ln, Roscoe, IL was $7,684. The county assessed it at $104,649.

Closest homes

More homes in Roscoe 61073

Assigned schools

Explore the area

See this home in context

Open 12657 Cortland Ln on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map