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Single Family ResidenceResidential
$271,406$191 / 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 90How 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

9908 CLAY CT

ROSCOE, IL 61073
3
Beds
2
Baths
1,418 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.
0.56 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
1
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

$271K
$244K low$298K high
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.$47,205
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$37,764
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.78%
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.$224,200
FREEDOM MORTGAGE · 6.75% 2 · recorded Oct 23, 2023
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.$1
HUD

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$73,727 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$14,716
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$59,011
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$67,049
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$221,181

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.37
1
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.
63
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.

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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.56
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
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 · 144 ft²

Transaction History(6)

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.

H
Harlem High SchoolC-
High · Grades 9–12 · 3.9 mi
E
Olson Park Elementary SchoolB-
Elementary · Grades 1–5 · 4.0 mi
M
Harlem Middle SchoolC
Middle · Grades 6–8 · 6.4 mi

District: Harlem Unit School District 122

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

9908 Clay Ct 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 less than 79% of homes in Roscoe 61073
  • Costs more per square foot than 88% of homes in Winnebago County
  • Has a bigger lot than 78% of homes in Winnebago County
  • Newer than 82% 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$649K

This home is worth more than 21% 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$271,406
CheaperTypical $326,368Pricier

Pricier than 21% of homes nearby

Price per ft²$191
CheaperTypical $209Pricier

Pricier than 37% of homes nearby

Living area1,418 ft²
SmallerTypical 1,579 ft²Bigger

Bigger than 38% of homes nearby

Lot size0.56 ac
SmallerTypical 0.6 acBigger

Bigger than 43% of homes nearby

Year built1995
OlderTypical 1992Newer

Newer than 61% of homes nearby

How 9908 Clay Ct ranks against every home in each area.
MeasureThis homeRoscoe 61073Winnebago County
Estimated valuepricier than$271,40621% of homes73% of homes
Price per ft²pricier than$19137% of homes88% of homes
Living areabigger than1,418 ft²38% of homes40% of homes
Lot sizebigger than0.56 ac43% of homes78% of homes
Year builtnewer than199561% of homes82% of homes

About 9908 Clay Ct

How much is 9908 Clay Ct, Roscoe, IL worth?

The TopHap Estimate for 9908 Clay Ct, Roscoe, IL is $271,406 as of Jul 14, 2026. The likely range is $244,452 to $298,360. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 9908 Clay Ct, Roscoe, IL last sell?

9908 Clay Ct, Roscoe, IL last sold on Feb 12, 2020, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 9908 Clay Ct, Roscoe, IL?

9908 Clay Ct, Roscoe, IL has 3 bedrooms, 2 bathrooms, 1,418 square feet of living space and a 0.56-acre lot.

When was 9908 Clay Ct, Roscoe, IL built?

9908 Clay Ct, Roscoe, IL was built in 1995, making it 31 years old. It is a ranch home. The building has 1 story.

What schools serve 9908 Clay Ct, Roscoe, IL?

9908 Clay Ct, Roscoe, IL is assigned to Harlem High School (high), rated C-; Olson Park Elementary School (elementary), rated B-; Harlem Middle School (middle), rated C. All sit in Harlem Unit School District 122. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 9908 Clay Ct, Roscoe, IL compare to other homes in Roscoe 61073?

Among the 7,163 homes in Roscoe 61073, it is worth more than 21% of them ($271,406 against a typical $326,368), its price per square foot is higher than 37% of them ($191 against a typical $209), it is bigger than 38% of them (1,418 ft² against a typical 1,579 ft²), its lot is bigger than 43% of them (0.56 ac against a typical 0.6 ac) and it is newer than 61% of them (1995 against a typical 1992). Measured against all of Winnebago County, it is worth more than 73% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

More homes on Clay Ct

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Assigned schools

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