2820 E State St, Rockford, IL 61108 Property Records

Winnebago County property record for 2820 E State St, Rockford, IL 61108

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,792 sqft · built 1955
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$43,000 (Feb 2020)
Tax Bill	$4,205 (2025)
Deeds & Mortgages	Feb 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`163C481A`

Property Details

APN / Parcel Number

Primary APN	`163C481A`
Alternative APN	`1219381028`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,792 sqft Living Area
Gross Area	2,844 sqft
1st Floor Area	1,192 sqft
Basement Area	1,192 sqft
Finished Basement	600 sqft
Unfinished Basement	592 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	150 ft deep x 76.5 ft wide
View / Lot	Traffic
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2820 E STATE ST
City	ROCKFORD
State	IL
Zip	61108-1739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ROSENQUIST & SCHABACKERS OAK KNOLLS SUB BNG PT SW 1/4 SEC 19-44-2 S1/2 LOTS1-2 & 3 BLOCK 3
Legal Range	2
Legal Township	44
Legal Section	19
Legal Subdivision	ROSENQUIST & SCHABACKERS OAK KNOLLS SUB
Legal Block	3
Legal Lot Number	1-2,3
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	4
Census Block	4026
Census Tract	600

Owner

2820 E State St is owned by two individuals who bought it in February 2020.

Source: Winnebago County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1443 ROCK ISLAND RD, DAVIS JUNCTION, IL 61020-9731
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	Feb 3, 2020 · Amount on File
Deed Sale	Feb 3, 2020 · Amount on File
Prior Sale	Apr 19, 2016 · Amount on File
Deed Document Number	20201003059
Record Updated	Oct 29, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Feb 3, 2020
Property Address	2820 E STATE ST, ROCKFORD, IL 61108-1739
Document Number	0001003059
Instrument Date	Jan 28, 2020
Instrument	1003059
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65.00
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	1443 ROCK ISLAND RD DAVIS JUNCTION IL 610209731, DAVIS JUNCTION, IL 61020-9731

Mortgage

Document Number	1003060
Date	Feb 3, 2020
Instrument	1003060

Lender

Name	HOLCOMB BK
Address	ROCHELLE, IL 61068

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Feb 2, 2025

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2820 E State St was $4,205.

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	$4,205.00	$47,629 Land $11,053 Building $36,576	$142,887 Land $33,159 Building $109,728
2022	$3,210.00 Homeowner's exemption	$33,687 Land $7,817 Building $25,870	$101,061 Land $23,451 Building $77,610

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2820 E State St in Zone X, an area of minimal flood risk.

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	1 in force

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 2820 E State St 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 669 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
T-Mobile Fiber · Fixed Wireless in parts of the area	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20