1923 Raincloud Dr, Rockford, IL 61108 Property Records

Winnebago County property record for 1923 Raincloud Dr, Rockford, IL 61108

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,765 sqft · built 1989
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Jul 2018)
Tax Bill	$6,629 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`178A300`

Property Details

APN / Parcel Number

Primary APN	`178A300`
Alternative APN	`1234251010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,765 sqft Living Area
Gross Area	4,566 sqft
1st Floor Area	1,865 sqft
Basement Area	1,865 sqft
Finished Basement	600 sqft
Unfinished Basement	1,265 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	185 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	536 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	410 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	178A300
Street Address	1923 RAINCLOUD DR
City	ROCKFORD
State	IL
Zip	61108-6878
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PLAT NO 2 DIXONS & NIEMANS WESTVALE BNG PT NE1/4 SEC 34-44-2 LOT 100
Legal Range	2
Legal Township	44
Legal Section	34
Legal Subdivision	DIXONS & NIEMANS WESTVALE PLAC
Legal Lot Number	100
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	2
Census Block	2005
Census Tract	513

Owner

1923 Raincloud Dr is owned and occupied by two individuals who bought it in July 2018.

Source: Winnebago County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1923 RAINCLOUD DR, ROCKFORD, IL 61108-6878
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2018 · Amount on File
Deed Sale	Jul 3, 2018 · Amount on File
Prior Sale	Jul 3, 2018 · Amount on File
Deed Document Number	20181018796
Prior Transfer Date	Jul 2, 2018
Prior Transfer Doc	0001018796
Record Updated	Oct 29, 2026

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jul 3, 2018
Property Address	1923 RAINCLOUD DR, ROCKFORD, IL 61108-6878
Document Number	0001018796
Instrument Date	Jul 2, 2018
Instrument	1018796
Transaction Type	Transfer
Record Updated	Jul 30, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$284.85
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1923 RAINCLOUD DR ROCKFORD IL 611086878, ROCKFORD, IL 61108-6878

Mortgage

Document Number	1018797
Date	Jul 3, 2018
Instrument	1018797

Lender

Name	ROCKFORD BK&TR
Type	Bank
Address	ROCKFORD, IL 61107

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 2, 2043

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 1923 Raincloud Dr was $6,629 with exemptions applied.

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	$6,629.00	$86,093 Land $11,833 Building $74,260	$258,279 Land $35,499 Building $222,780
2022	Homeowner's exemption	$60,892 Land $8,369 Building $52,523	$182,676 Land $25,107 Building $157,569

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1923 Raincloud Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms And Flooding

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

Wildfire risk around 1923 Raincloud Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

Nearby Properties on Raincloud Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures