3101 E State St, Rockford, IL 61108 Property Records

Winnebago County property record for 3101 E State St, Rockford, IL 61108

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,082 sqft · built 1900
Lot Size	1.23 acres (54,014 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Jan 2013)
Tax Bill	$8,971 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`174A392`

Property Details

APN / Parcel Number

Primary APN	`174A392`
Alternative APN	`1230205004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,082 sqft Living Area
Gross Area	5,644 sqft
1st Floor Area	1,296 sqft
Basement Area	1,296 sqft
Finished Basement	154 sqft
Unfinished Basement	1,142 sqft
Game Room	Game Room
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	54,014 sqft
Terrain	High
View / Lot	Traffic
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	174A392
Street Address	3101 E STATE ST
City	ROCKFORD
State	IL
Zip	61108-1801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BEGN AT PT IN C/L STATE RD 409.35FT SELY FROM NW COR NE1/4 TH SWLY AT RT ANGLES TO C/L RD 415.7FT TH NWLY
Legal Block	30
Legal Lot Number	16
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	5
Census Block	5004
Census Tract	1500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3101 E STATE ST, ROCKFORD, IL 61108-1801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST CMNTY BK
Jul 10, 2018	Deed of Trust, Mortgage · Conventional with PMI MIDWEST CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2013 · Amount on Record
Deed Sale	Jan 18, 2013 · Amount on Record
Deed Document Number	20131004256
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3101 E STATE ST, ROCKFORD, IL 61108-1801
Document Number	0001019439
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3101 E STATE ST ROCKFORD IL 611081801, ROCKFORD, IL 61108-1801

Mortgage

Document Number	0001019439
Date	Jul 16, 2020
Instrument	1019439

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	FREEPORT, IL 61032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 15, 2035

Interest

Rate Type	Fixed Rate
Rate	2.62%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3101 E STATE ST, ROCKFORD, IL 61108-1801
Document Number	0001020224
Instrument Date	Jul 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 10, 2018
Title Company	MAGNUS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3101 E STATE ST ROCKFORD IL 611081801, ROCKFORD, IL 61108-1801

Mortgage

Document Number	0001020224
Date	Jul 17, 2018
Instrument	1020224

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	FREEPORT, IL 61032

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jul 16, 2033

Tax Assessment & Valuation

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	$8,971.00	$107,611 (+41.39%) Land $15,887 Building $91,724	$322,833 (+41.39%) Land $47,661 Building $275,172
2022	Homeowner's exemption	$76,111 Land $11,236 Building $64,875	$228,333 Land $33,708 Building $194,625

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	8 (2006–2007)
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 4 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% 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 468 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless in parts of the area	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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