2840 Bluffside Dr, Rockford, IL 61109 Property Records

Winnebago County property record for 2840 Bluffside Dr, Rockford, IL 61109

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,400 sqft · built 1995
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$137,000 (Jul 2008)
Tax Bill	$4,771 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`228D124`

Property Details

APN / Parcel Number

Primary APN	`228D124`
Alternative APN	`1512426010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
Gross Area	3,262 sqft
1st Floor Area	1,378 sqft
Basement Area	1,378 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	16,553 sqft (0.38 acres)
Terrain	High
Garage Type	Attached
Garage Area	484 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	346 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2840 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 24
Legal Range	1
Legal Township	43
Legal Section	12
Legal Subdivision	BLUFFSIDE HEIGHTS
Legal Lot Number	24
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	1
Census Block	1001
Census Tract	3706

Owner

2840 Bluffside Dr is owned and occupied by two individuals who acquired it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2840 BLUFFSIDE DR, ROCKFORD, IL 61109-3193
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Apr 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCK VALLEY FCU
Sep 20, 2017	Deed of Trust, Mortgage PNC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2008 · Amount on File
Deed Sale	Jul 7, 2008 · Amount on File
Deed Document Number	2008833197
Last Transfer Date	Mar 22, 2021
Transfer Doc	0000011159
Record Updated	Sep 20, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINNEBAGO IL
Recording Date	Apr 2, 2021
Property Address	2840 BLUFFSIDE DR, ROCKFORD, IL 61109-3193
Document Number	0000011159
Map Reference	PB 39 PG 200A
Instrument Date	Mar 22, 2021
Instrument	2111159
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	LAKESHORE TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2840 BLUFFSIDE DR, ROCKFORD, IL 61109-3193

Mortgage

Document Number	0000011160
Date	Apr 2, 2021
Instrument	2111160

Lender

Name	ROCK VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	2840 BLUFFSIDE DR, ROCKFORD, IL 61109-3193
Document Number	0001030846
Instrument Date	Sep 20, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2840 BLUFFSIDE DR ROCKFORD IL 611093193, ROCKFORD, IL 61109-3193

Mortgage

Document Number	0001030846
Date	Sep 27, 2017
Instrument	1030846

Lender

Name	PNC MTG
Type	Mortgage Company
Address	MIAMISBURG, OH 45342

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2047

Interest

Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 2840 Bluffside Dr was $4,771 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	$4,771.00	$60,039 Land $9,802 Building $50,237	$180,117 Land $29,406 Building $150,711
2022	Homeowner's exemption	$42,465 Land $6,933 Building $35,532	$127,395 Land $20,799 Building $106,596

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 2840 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 2840 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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