2640 Fourwinds Dr, Rockford, IL 61114 Property Records

Winnebago County property record for 2640 Fourwinds Dr, Rockford, IL 61114

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,705 sqft · built 1989
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$318,000 (Aug 2018)
Tax Bill	$13,927 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`154C587`

Property Details

APN / Parcel Number

Primary APN	`154C587`
Alternative APN	`1210379007`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,705 sqft Living Area
Gross Area	6,115 sqft
1st Floor Area	1,382 sqft
Basement Area	1,382 sqft
Finished Basement	900 sqft
Unfinished Basement	482 sqft
Game Room	Game Room
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Custom Design
Construction Type	Frame
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	928 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	154C587
Street Address	2640 FOURWINDS DR
City	ROCKFORD
State	IL
Zip	61114-7823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	EDGEWOOD ON SPRING CREEK PLAT NO 2 BNGPT S1/2 SEC 10-44-2 LOT 37
Legal Range	2
Legal Township	44
Legal Section	10
Legal Subdivision	EDGEWOOD ON SPRING CREEK PLAT NO 2
Legal Lot Number	37
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	2
Census Block	2021
Census Tract	510

Owner

2640 Fourwinds Dr is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	2640 FOURWINDS DR, ROCKFORD, IL 61114-7823
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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	Aug 17, 2018 · Amount on File
Deed Sale	Aug 17, 2018 · Amount on File
Prior Sale	Aug 17, 2018 · Amount on File
Deed Document Number	20181023686
Record Updated	Oct 29, 2026

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 17, 2018
Property Address	2640 FOURWINDS DR, ROCKFORD, IL 61114-7823
Document Number	0001023686
Instrument Date	Aug 15, 2018
Instrument	1023686
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	ALLIANCE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$477.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2640 FOURWINDS DR ROCKFORD IL 611147823, ROCKFORD, IL 61114-7823

Mortgage

Document Number	1023687
Date	Aug 17, 2018
Instrument	1023687

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2048

Interest

Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 2640 Fourwinds Dr was $13,927 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	$13,927.00	$163,744 Land $24,574 Building $139,170	$491,232 Land $73,722 Building $417,510
2022	Homeowner's exemption	$121,521 Land $17,381 Building $104,140	$364,563 Land $52,143 Building $312,420

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 2640 Fourwinds Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.

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	5 in force
Nearby Flood Claims	4 (1979–1982)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Dec 1982 · tidal / storm surge

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 2640 Fourwinds 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 98% of the US · lower than 86% 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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20