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2320 Charles St, Rockford, IL 61104 Property Records

Winnebago County property record for 2320 Charles St, Rockford, IL 61104

Property Summary

Property TypeCommercial
Details1,457 sqft · built 1952
Lot Size0.27 acres (11,761 sqft)
OwnerIndividual Name on File
Last Sale$60,000 (Oct 2022)
Tax Bill$3,011 (2025)
Deeds & MortgagesOct 2022 Sale
Flood ZoneZone AE (high risk)
APN205A171

Property Details

APN / Parcel Number

Primary APN205A171
Alternative APN
  • 1125279016

Interior

Stories1 Story
Building Area1,457 sqft Gross Area
1st Floor Area1,457 sqft

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1952
Exterior MaterialBaked Enamel
Construction TypeFrame
Lot Area11,761 sqft (0.27 acres)
View / LotCorner

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address2320 CHARLES ST
CityROCKFORD
StateIL
Zip61104-1564
Property CategoryCommercial
Property TypeCommercial > Retail
Local Zoning CodeC3
Legal DescriptionEVERGREEN PARK SUBD PT NE 1/4 SEC 25-44-1 (FILED FOR ANXN TO CITY OF ROCKFORD 5/17/16) (EXC MOST SELY IRR TRI TO CITY MIC 80-06-1118) LOT 005 BLOCK 007
Legal Range1
Legal Township44
Legal Section25
Legal SubdivisionEVERGREEN PARK SUBD
Legal Block7
Legal Lot Number5
JurisdictionWINNEBAGO IL
Township / Civil DivisionROCKFORD
Census Block Group1
Census Block1036
Census Tract1400

Owner

2320 Charles St, a commercial property, is owned by an individual who acquired it in June 2024.

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

Owner of RecordIndividual Name on File
Mailing AddressPO BOX 1054, ROCKFORD, IL 61105-1054
Owner TypeIndividual

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 NamesName on Deed
Last SaleOct 6, 2022 · Amount on File
Deed SaleOct 6, 2022 · Amount on File
Prior SaleFeb 4, 2014 · Amount on File
Deed Document Number202230831
Last Transfer DateJun 21, 2024
Transfer Doc0000014602
Record UpdatedSep 20, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINNEBAGO IL
Recording DateOct 6, 2022
Property Address2320 CHARLES ST, ROCKFORD, IL 61104-1564
Document Number0000030831
Map ReferenceBK5 PG53
Instrument DateSep 30, 2022
Instrument2230831
Transaction TypeTransfer
Record UpdatedNov 3, 2022

Transaction

AmountAmount on Record
Tax$90.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address814 GREENLEE AVE, 814, WINNEBAGO, IL 61088-8372

Transferred To (Grantee/Buyer)

NameVerified Name
Address128 ROYAL AVE, ROCKFORD, IL 61101-5652

Tax Assessment & Valuation

The 2025 property tax bill for 2320 Charles St was $3,011, down 8.6% from the year before.

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

Property Jurisdictions

TypeName
StateIllinois
CountyWinnebago County
County SubdivisionRockford Township
MunicipalityRockford City
Unified School DistrictRockford School District 205 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,011.00 (-8.62%)$34,105 (-1.94%) Land $21,734 Building $12,371$102,315 (-1.94%) Land $65,202 Building $37,113
2024$3,295.00$34,780 Land $19,504 Building $15,276$104,340 Land $58,512 Building $45,828
2022$3,178.00$27,412 Land $15,372 Building $12,040$82,236 Land $46,116 Building $36,120

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 2320 Charles St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims11 (1980–2024)
Claims Outside the SFHA3 of 11
Most Recent ClaimJul 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 2320 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 RiskNot 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 SystemROCKFORD
serves 147,051 people · EPA ID IL2010300
Water SourceGroundwater
Last State InspectionJan 2024
Lead10 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting9
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 633 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
T-Mobile
Fiber · Fixed Wireless		2,000 / 2,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

May also be available: i3 Broadband.

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