1930 Raincloud Dr, Rockford, IL 61108 Property Records

Winnebago County property record for 1930 Raincloud Dr, Rockford, IL 61108

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,554 sqft · built 1991
Lot Size	0.44 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$372,000 (Apr 2026)
Tax Bill	$6,861 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage May 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`178A303`

Property Details

APN / Parcel Number

Primary APN	`178A303`
Alternative APN	`1234252008`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,554 sqft Living Area
Gross Area	4,859 sqft
1st Floor Area	1,682 sqft
Basement Area	1,682 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	218 ft deep x 87 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	623 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	559 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1930 RAINCLOUD DR
City	ROCKFORD
State	IL
Zip	61108-6876
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 103
Legal Range	2
Legal Township	44
Legal Section	34
Legal Subdivision	DIXONS & NIEMANS WESTVALE
Legal Lot Number	103
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	2
Census Block	2038
Census Tract	513

Owner

1930 Raincloud Dr is owned by an individual who bought it in April 2026.

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	Individual Name on File
Mailing Address	5494 WINDFLOWER RD, ROCKFORD, IL 61107-2448
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Warranty Deed, Transfer · Conventional Mortgage FREE STATE CREDIT UNION
May 2, 2022	Administrator's Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jul 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Dec 27, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2026 · Amount on File
Deed Sale	Apr 14, 2026 · Amount on File
Prior Sale	May 2, 2022 · Amount on File
Deed Document Number	20268944
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Apr 14, 2026
Property Address	1930 RAINCLOUD DR, ROCKFORD, IL 61108-6876
Document Number	0000008944
Instrument Date	Apr 10, 2026
Instrument	2026.8944
Transaction Type	Transfer
Record Updated	May 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,358.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	5494 WINDFLOWER RD, ROCKFORD, IL 61107-2448

Mortgage

Document Number	0000008945,
Date	Apr 14, 2026
Instrument	2026.8945

Lender

Name	FREE STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.25%
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	WINNEBAGO IL
Recording Date	May 2, 2022
Property Address	1930 RAINCLOUD DR, ROCKFORD, IL 61108-6876
Document Number	0000013899
Map Reference	BK38 PG46A
Instrument Date	Apr 28, 2022
Instrument	2213899
Transaction Type	Transfer
Record Updated	May 25, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$322.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1930 RAINCLOUD DR, ROCKFORD, IL 61108-6876

Mortgage

Document Number	0000013900
Date	May 2, 2022
Instrument	2213900

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	3.99%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	1930 RAINCLOUD DR, ROCKFORD, IL 61108-6876
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	PRAIRIE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002260
Date	Jan 20, 2021
Instrument	2102260

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	1930 RAINCLOUD DR, ROCKFORD, IL 61108-6876
Document Number	0001026223
Instrument Date	Jul 31, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	PRAIRIE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1930 RAINCLOUD DR ROCKFORD IL 611086876, ROCKFORD, IL 61108-6876

Mortgage

Document Number	0001026223
Date	Aug 6, 2019
Instrument	1026223

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2049

Interest

Rate	4%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 27, 2018
Property Address	1930 RAINCLOUD DR, ROCKFORD, IL 61108-6876
Document Number	0001037409
Instrument Date	Dec 21, 2018
Instrument	1037409
Transaction Type	Transfer
Record Updated	Jan 31, 2019
Title Company	METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1930 RAINCLOUD DR ROCKFORD IL 611086876, ROCKFORD, IL 61108-6876

Mortgage

Document Number	1037410
Date	Dec 27, 2018
Instrument	1037410

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 26, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1930 Raincloud Dr was $6,861, up 5.5% from the year before.

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	$6,861.00 (+5.52%) Homeowner's exemption Senior Citizen's exemption	$88,713 (+11.43%) Land $12,446 Building $76,267	$266,139 (+11.43%) Land $37,338 Building $228,801
2024	$6,502.00	$79,613 Land $11,169 Building $68,444	$238,839 Land $33,507 Building $205,332
2022	Homeowner's exemption	$62,745 Land $8,802 Building $53,943	$188,235 Land $26,406 Building $161,829

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 1930 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 1930 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.

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