2812 Bluffside Dr, Rockford, IL 61109 Property Records

Winnebago County property record for 2812 Bluffside Dr, Rockford, IL 61109

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,199 sqft · built 1995
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Nov 2020)
Tax Bill	$5,334 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Sep 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`228D122`

Property Details

APN / Parcel Number

Primary APN	`228D122`
Alternative APN	`1512426008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,199 sqft Living Area
Gross Area	3,696 sqft
1st Floor Area	1,584 sqft
Basement Area	1,584 sqft
Finished Basement	615 sqft
Unfinished Basement	969 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Terrain	High
Garage Type	Attached
Garage Area	528 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2812 BLUFFSIDE DR
City	ROCKFORD
State	IL
Zip	61109-3193
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLUFFSIDE HEIGHTS BNG PT SE1/4 SEC 12-43-1 LOT 22
Legal Range	1
Legal Township	43
Legal Section	12
Legal Subdivision	BLUFFSIDE HEIGHTS
Legal Lot Number	22
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	1
Census Block	1001
Census Tract	3706

Owner

2812 Bluffside Dr is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2812 BLUFFSIDE DR, ROCKFORD, IL 61109-3193
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

Date	Document
Nov 2, 2020	Grant Deed, Transfer · FHA Mortgage ENVOY MTG
Sep 24, 2018	Warranty Deed, Transfer TITLE UNDERWRITERS AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2020 · Amount on File
Deed Sale	Nov 2, 2020 · Amount on File
Prior Sale	Sep 24, 2018 · Amount on File
Deed Document Number	20201033466
Prior Transfer Date	Oct 30, 2020
Prior Transfer Doc	0001033466
Record Updated	Oct 29, 2026

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Nov 2, 2020
Property Address	2812 BLUFFSIDE DR, ROCKFORD, IL 61109-3193
Document Number	0001033466
Instrument Date	Oct 30, 2020
Instrument	1033466
Transaction Type	Transfer
Record Updated	Nov 20, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2812 BLUFFSIDE DR ROCKFORD IL 611093193, ROCKFORD, IL 61109-3193

Mortgage

Document Number	1033467
Date	Nov 2, 2020
Instrument	1033467

Lender

Name	ENVOY MTG
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

Mortgage

Document Number	1033468,
Date	Nov 2, 2020
Instrument	1033468

Lender

Name	ILLINOIS HSNG DEV AUTHORITY
Address	CHICAGO, IL 60601

Agreement

Amount	Amount on Record

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 24, 2018
Property Address	2812 BLUFFSIDE DR, ROCKFORD, IL 61109-3193
Document Number	0001027602
Instrument Date	Sep 20, 2018
Instrument	1027602
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount on Record
Tax	$206.85
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2812 BLUFFSIDE DR ROCKFORD IL 611093193, ROCKFORD, IL 61109-3193

Tax Assessment & Valuation

The 2025 property tax bill for 2812 Bluffside Dr was $5,334 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	$5,334.00	$66,416 Land $9,802 Building $56,614	$199,248 Land $29,406 Building $169,842
2022	Homeowner's exemption	$46,975 Land $6,933 Building $40,042	$140,925 Land $20,799 Building $120,126

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 2812 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1979–2009)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Aug 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 2812 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 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 227 locations within half a mile, as of December 31, 2025

Provider	Max 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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