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2659 Bluffside Dr, Rockford, IL 61109 Property Records

Winnebago County property record for 2659 Bluffside Dr, Rockford, IL 61109

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,306 sqft · built 1998
Lot Size0.28 acres (12,197 sqft)
OwnerIndividual Name on File
Last Sale$183,000 (Jan 2023)
Tax Bill$5,459 (2025)
Deeds & MortgagesJan 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN228D158

Property Details

APN / Parcel Number

Primary APN228D158
Alternative APN
  • 1512404005

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,306 sqft Living Area
Gross Area3,338 sqft
1st Floor Area1,284 sqft
Basement Area1,284 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Architectural StyleSplit Level
Exterior MaterialAluminum/Vinyl
Roof MaterialAsphalt
Lot Area12,197 sqft (0.28 acres)
TerrainRolling
Garage TypeAttached
Garage Area748 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address2659 BLUFFSIDE DR
CityROCKFORD
StateIL
Zip61109-3192
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionBLUFFSIDE HEIGHTS NO 2 PT SE1/4 SEC 12-43-1 LOT 58
Legal Range1
Legal Township43
Legal Section12
Legal SubdivisionBLUFFSIDE HEIGHTS NO 2
Legal Lot Number58
JurisdictionWINNEBAGO IL
Township / Civil DivisionROCKFORD
Census Block Group1
Census Block1002
Census Tract3706

Owner

2659 Bluffside Dr is owned by an individual who bought it in January 2023.

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

Owner of RecordIndividual Name on File
Mailing Address3980 W BROWARD BLVD, 206, FORT LAUDERDALE, FL 33312-1080
Owner TypeIndividual
VestingUnmarried Woman

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 SaleJan 25, 2023 · Amount on File
Deed SaleJan 25, 2023 · Amount on File
Deed Document Number20231661
Record UpdatedOct 29, 2026

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINNEBAGO IL
Recording DateJan 25, 2023
Property Address2659 BLUFFSIDE DR, ROCKFORD, IL 61109-3192
Document Number0000001661
Map ReferenceBK40 PG125A
Instrument DateJan 23, 2023
Instrument2301661
Transaction TypeTransfer
Record UpdatedFeb 15, 2023
Title CompanyMAGNUS TITLE AGENCY, MTA

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$274.50
Amount AccuracyCalculated from Transfer Tax
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2659 BLUFFSIDE DR, ROCKFORD, IL 61109-3192

Transferred To (Grantee/Buyer)

NameVerified Name
Address2659 BLUFFSIDE DR, ROCKFORD, IL 61109-3192

Mortgage

Document Number0000001662
DateJan 25, 2023
Instrument2301662
Lender
NameENVOY MORTGAGE LTD
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2053
Interest
Rate TypeFixed Rate
Rate6%

Mortgage

Document Number0000001663
DateJan 25, 2023
Instrument2301663
Lender
NameILLINOIS HOUSING DEV AUTHORITY
TypeGovernment Agency
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record
Term120 Months
DueFeb 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 2659 Bluffside Dr was $5,459.

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$5,459.00$67,841 Land $9,804 Building $58,037$203,523 Land $29,412 Building $174,111
2022Homeowner's exemption$44,730 Land $6,933 Building $37,797$134,190 Land $20,799 Building $113,391

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 2659 Bluffside Dr in Zone X, an area of minimal flood risk, though there have been 5 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims5 (1979–2009)
Claims Outside the SFHA2 of 5
Most Recent ClaimAug 2009 · other causes

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 2659 Bluffside 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 RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 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 227 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Xfinity
Cable		2,000 / 250

May also be available: T-Mobile, Verizon.

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