1908 Charles St, Rockford, IL 61104 Property Records

Winnebago County property record for 1908 Charles St, Rockford, IL 61104

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,768 sqft · built 1900
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Nov 2023)
Tax Bill	$1,682 (2025)
Deeds & Mortgages	Nov 2023 Sale Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`205A594`

Property Details

APN / Parcel Number

Primary APN	`205A594`
Alternative APN	`1125251016`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,768 sqft Living Area
Gross Area	2,596 sqft
1st Floor Area	828 sqft
Basement Area	828 sqft
Game Room	Game Room
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Old Style
Exterior Material	Asbestos
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
View / Lot	Traffic
Driveway	Driveway
Porch	Porch
Deck Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1908 CHARLES ST
City	ROCKFORD
State	IL
Zip	61104-2435
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Description	WEST + HUTCHINS PK BNG A SUB OF ALL THAT PT SW 1/4 NE 1/4 SEC 25-44-1 N OF CHAS ST LOT 008 BLOCK 002
Legal Range	1
Legal Township	44
Legal Section	25
Legal Subdivision	WEST + HUTCHINS PK
Legal Block	2
Legal Lot Number	008
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	1
Census Block	1042
Census Tract	1400

Owner

1908 Charles St, a duplex, is owned by two individuals who bought it in November 2023.

Source: Winnebago County records, as of August 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1250 S APPLETON RD, BELVIDERE, IL 61008-4954
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
Nov 9, 2023	Warranty Deed, Transfer LAKESHORE TITLE AGENCY
Jun 30, 2017	Warranty Deed, Transfer · Conventional with PMI NORTHWEST BK/ROCKFORD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2023 · Amount on File
Deed Sale	Nov 9, 2023 · Amount on File
Prior Sale	Jun 30, 2017 · Amount on File
Deed Document Number	202326625
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Nov 9, 2023
Property Address	1908 CHARLES ST, ROCKFORD, IL 61104-2435
Document Number	0000026625
Map Reference	BK58 PG278
Instrument Date	Nov 3, 2023
Instrument	2326625
Transaction Type	Transfer
Record Updated	Nov 29, 2023
Title Company	LAKESHORE TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$172.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1250 S APPLETON RD, BELVIDERE, IL 61008-4954
Investor	Possibly a Property Investor

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 30, 2017
Property Address	1908 CHARLES ST, ROCKFORD, IL 61104-2435
Document Number	0001019746
Instrument Date	Jun 28, 2017
Instrument	1019746
Transaction Type	Transfer
Record Updated	Jul 18, 2017
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$43.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	658 LANAE WAY SOUTH BELOIT IL 610802523, SOUTH BELOIT, IL 61080-2523

Mortgage

Document Number	1019747
Date	Jun 30, 2017
Instrument	1019747

Lender

Name	NORTHWEST BK/ROCKFORD
Type	Bank
Address	ROCKFORD, IL 61103

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jun 29, 2032

Interest

Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1908 Charles St was $1,682.

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Rockford Township
Municipality	Rockford City
Unified School District	Rockford School District 205 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,682.00	$19,055 Land $2,960 Building $16,095	$57,165 Land $8,880 Building $48,285
2022		$13,477 Land $2,093 Building $11,384	$40,431 Land $6,279 Building $34,152

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1908 Charles St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	11 (1980–2024)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Jul 2024 · Severe Storms, Tornadoes, Straight-line Winds, And Floodng
Claims by Event	Severe Storms And Flooding, Aug 2007 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 1908 Charles St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	ROCKFORD serves 147,051 people · EPA ID IL2010300
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	10 ppb (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	9 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 546 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

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