2860 Ware Rd, Rockford, IL 61114 Property Records

Winnebago County property record for 2860 Ware Rd, Rockford, IL 61114

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,959 sqft · built 1977
Lot Size	0.39 acres (16,988 sqft)
Owner	Trust Name on File
Tax Bill	$5,630 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`154D080`

Property Details

APN / Parcel Number

Primary APN	`154D080`
Alternative APN	`1210403019`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,959 sqft Living Area
Gross Area	3,870 sqft
1st Floor Area	1,659 sqft
Basement Area	1,659 sqft
Finished Basement	300 sqft
Unfinished Basement	1,359 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Construction Type	Frame
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	152 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	154D080
Street Address	2860 WARE RD
City	ROCKFORD
State	IL
Zip	61114-6549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	JOHN KNOX ASSN SUB 4 OF DAVID HUNTERFARM BNG PT W1/2 SE1/4 SEC 10-44-2 32-272 LOT 065
Legal Range	2
Legal Township	44
Legal Section	10
Legal Subdivision	JOHN KNOX ASSN SUB 4 OF DAVID HUNTERFARM
Legal Lot Number	065
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	2
Census Block	2009
Census Tract	510

Owner

2860 Ware Rd is owner-occupied and held in a trust.

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

Owner of Record	Trust Name on File
Mailing Address	2860 WARE RD, ROCKFORD, IL 61114-6549
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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	Name on Deed
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	2860 WARE RD, ROCKFORD, IL 61114-6549
Document Number	0001022258
Instrument Date	Jul 29, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	SECURITY FIRST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2860 WARE RD ROCKFORD IL 611146549, ROCKFORD, IL 61114-6549

Mortgage

Document Number	0001022258
Date	Aug 7, 2020
Instrument	1022258

Lender

Name	NORTHWEST BK/ROCKFORD
Type	Bank
Address	ROCKFORD, IL 61103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 6, 2030

Interest

Rate Type	Fixed Rate
Rate	2.62%

Tax Assessment & Valuation

The 2025 property tax bill for 2860 Ware Rd was $5,630 with exemptions applied.

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	$5,630.00	$74,773 Land $9,507 Building $65,266	$224,319 Land $28,521 Building $195,798
2022	Homeowner's exemption	$52,885 Land $6,724 Building $46,161	$158,655 Land $20,172 Building $138,483

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

Flood

FEMA maps place 2860 Ware Rd 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 2860 Ware Rd 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