2405 E State St, Rockford, IL 61108 Property Records

Winnebago County property record for 2405 E State St, Rockford, IL 61108

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,940 sqft · built 1900
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Dec 2021)
Tax Bill	$3,678 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`174B426`

Property Details

APN / Parcel Number

Primary APN	`174B426`
Alternative APN	`1230101001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,940 sqft Living Area
Gross Area	2,868 sqft
1st Floor Area	928 sqft
Basement Area	928 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	146 ft deep x 66 ft wide
Terrain	Rolling
View / Lot	Alley/Corner
Garage Type	Detached
Garage Area	792 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	456 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2405 E STATE ST
City	ROCKFORD
State	IL
Zip	61108-1749
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PETERSON + BENSONS SUB LOTS 3+4 + W 1/2 LOT 2 BLK 7 E END ADD W 2 1/2 FT INWIDTH LOT 1 + ALL LOT 002 BLOCK 007
Legal Subdivision	PETERSON + BENSONS SUB
Legal Block	7
Legal Lot Number	1-3
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	5
Census Block	5007
Census Tract	1500

Owner

2405 E State St is owned and occupied by two individuals who bought it in December 2021.

Source: Winnebago County records, as of August 18, 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	2405 E STATE ST, ROCKFORD, IL 61108-1749
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage MEMBERSALLIANCE CREDIT UNION
Dec 20, 2021	Warranty Deed, Transfer · Conventional Mortgage MEMBERSALLIANCE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2021 · Amount on File
Deed Sale	Dec 20, 2021 · Amount on File
Deed Document Number	202145500
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 4, 2026
Property Address	2405 E STATE ST, ROCKFORD, IL 61108-1749
Document Number	0000020088
Instrument Date	Jul 24, 2026
Instrument	202620088
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	2405 E STATE ST, ROCKFORD, IL 61108-1749

Mortgage

Document Number	0000020088,
Date	Aug 4, 2026
Instrument	202620088

Lender

Name	MEMBERSALLIANCE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 25, 2036

Interest

Rate Type	Fixed Rate
Rate	6.75%
Initial Type	Fixed Rate
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 20, 2021
Property Address	2405 E STATE ST, ROCKFORD, IL 61108-1749
Document Number	0000045500
Map Reference	BK7 PG11
Instrument Date	Nov 19, 2021
Instrument	2145500
Transaction Type	Transfer
Record Updated	Jan 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$112.50
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	2405 E STATE ST, ROCKFORD, IL 61108-1749

Mortgage

Document Number	0000045501
Date	Dec 20, 2021
Instrument	2145501

Lender

Name	MEMBERSALLIANCE CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2405 E State St was $3,678 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	$3,678.00	$47,666 Land $7,406 Building $40,260	$142,998 Land $22,218 Building $120,780
2022	Homeowner's exemption	$33,461 Land $5,237 Building $28,224	$100,383 Land $15,711 Building $84,672

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 2405 E State St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2006.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	8 (2006–2007)
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
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 2405 E State 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 633 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
Verizon Fixed Wireless	300 / 20

May also be available: i3 Broadband.

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