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7758 Ray Ct, Roscoe, IL, 61073

4beds
2baths
2,517sqft
$399,500
$159price/sqft
$3,184/moest. monthly cost
$127,360/yrincome needed

About This Home

Excellent Roscoe Location - Highly sought after Hinkles Wooded Acres!! This 4 Bedroom Ranch is nestled on a wooded cul-de-sac lot, Partial exposure Beautifully landscaped - Over 2500 sq. ft. of living area - Low County taxes - 6 Car garage, includes a 40X16 heated garage (perfect for the car enthusiast) - formal dining room, 2 remodeled Baths, Beautiful updated kitchen with Quartz countertops, Stainless steel appliances - Large island with built in beverage refrigerator - Custom built oak pantry with rollout drawers - Original oak flooring on entire main level, 6 Panel oak doors - Family room with brick woodburning fireplace, sliding doors to private deck, Master bed with private bath/ air tub - large upper deck for summer enjoyment. New 90+ furnace, water heater & water softener - prewired for future generator - Roof 13 years old - Concrete drive - 4 windows on west side of home will need replacing, but home to be "Sold AS IS"

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

8/10
Stone Creek SchoolGrades 2-31.3 mi
7/10
Roscoe Middle SchoolGrades 6-82.0 mi
5/10
Hononegah High SchoolGrades 9-125.8 mi

Construction

Condition

  • Year built: 1978

Materials

  • Roof: Shingle
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Stove/Cooktop,Washer,Water Softener,Gas Water Heater
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Basement Entrance,Full,Sump Pump,Finished,Partial Exposure

Bedroom2

  • Level: Main
  • Area: 121

Bedroom3

  • Level: Main
  • Area: 110

Bedroom4

  • Level: Lower
  • Area: 156

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main
  • Area: 130

Family Room

  • Level: Main
  • Area: 320

Features

  • L.L. Finished Space,Granite Counters
  • Window features: Window Treatments
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Fire-Pit/Fireplace
  • Fireplace: Yes
  • Finished area below ground: 700
  • Finished area above ground: 1,817

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,517
  • Total interior livable area: 2,517 sqft

Kitchen

  • Level: Main
  • Area: 240

Living Room

  • Level: Main
  • Area: 234

Master Bedroom

  • Level: Main
  • Area: 168

Property

Details

  • Parcel number: 0802227004

Features

  • Patio & porch: Deck
  • Has spa: Yes
  • Spa features: Bath

Lot

  • Lot size: 0.61 Acres
  • Features: County Taxes,Partial Exposure,Wooded,Subdivided

Parking

  • Total spaces: 6
  • Parking features: Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Hail
Inland Flooding
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
Severe Storm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,020$24,240
Home Insurance *$212$2,544
Property Taxes $759$9,108
Electricity $193$2,323
Total$3,184$38,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,165/yr
40% on housing$95,520/yr
45% on housing$84,906/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 61073$137
Winnebago County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 61073$151
Winnebago County$121

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-02Listed for sale$429,000
2013-10-04Sold$195,000
2013-07-30Listed for sale$198,900

For Sale by Agent

AgentLarry Petry
BrokerageKeller Williams Realty Signature

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