1939 Raincloud Dr, Rockford, IL 61108 Property Records

Winnebago County property record for 1939 Raincloud Dr, Rockford, IL 61108

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,360 sqft · built 1989
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$227,000 (Jan 2021)
Tax Bill	$6,860 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`178A301`

Property Details

APN / Parcel Number

Primary APN	`178A301`
Alternative APN	`1234251011`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,360 sqft Living Area
Gross Area	3,763 sqft
1st Floor Area	884 sqft
Basement Area	884 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	Colonial
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	185 ft deep x 85 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	519 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1939 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 101
Legal Range	2
Legal Township	44
Legal Section	34
Legal Lot Number	101
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	2
Census Block	2005
Census Tract	513

Owner

1939 Raincloud Dr is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1939 RAINCLOUD DR, ROCKFORD, IL 61108-6878
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2021 · Amount on File
Deed Sale	Jan 19, 2021 · Amount on File
Deed Document Number	20212101
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jan 19, 2021
Property Address	1939 RAINCLOUD DR, ROCKFORD, IL 61108-6878
Document Number	0000002101
Map Reference	PB 38 PG 46A
Instrument Date	Jan 15, 2021
Instrument	2102101
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.50
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	Tenants by the Entirety
Address	1939 RAINCLOUD DR, ROCKFORD, IL 61108-6878

Mortgage

Document Number	0000002102
Date	Jan 19, 2021
Instrument	2102102

Lender

Name	BARRINGTON BANK & TRUST CO NA
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1939 Raincloud Dr was $6,860 with a homeowner's exemption.

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	$6,860.00	$83,708 Land $11,833 Building $71,875	$251,124 Land $35,499 Building $215,625
2022	Homeowner's exemption	$59,205 Land $8,369 Building $50,836	$177,615 Land $25,107 Building $152,508

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 1939 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 1939 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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