3137 Ramsgate Rd, Rockford, IL 61114 Property Records

Winnebago County property record for 3137 Ramsgate Rd, Rockford, IL 61114

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,304 sqft · built 1979
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,000 (May 2017)
Tax Bill	$4,469 (2025)
Deeds & Mortgages	Sep 2022 Mortgage May 2017 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`152C300`

Property Details

APN / Parcel Number

Primary APN	`152C300`
Alternative APN	`1208304003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,964 sqft Living Area
Gross Area	4,795 sqft
1st Floor Area	1,985 sqft
Basement Area	1,985 sqft
Finished Basement	660 sqft
Unfinished Basement	1,325 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Construction Type	Frame
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	155 ft deep x 90 ft wide
Terrain	High
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	152C300
Street Address	3137 RAMSGATE RD
City	ROCKFORD
State	IL
Zip	61114-6187
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CHATHAM HILLS SUB NO 7 SW 1/4 SEC 8-44-2 LOT 098
Legal Range	2
Legal Township	44
Legal Section	8
Legal Subdivision	CHATHAM HILLS SUB NO 7
Legal Lot Number	098
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	3
Census Block	3001
Census Tract	403

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	2 Individual Names on Record
Mailing Address	3137 RAMSGATE RD, ROCKFORD, IL 61114-6187
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
May 1, 2017	Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK
Apr 13, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2017 · Amount on Record
Deed Sale	May 1, 2017 · Amount on Record
Prior Sale	May 23, 2011 · Amount on Record
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3137 RAMSGATE RD, ROCKFORD, IL 61114-6187
Transaction Type	Mortgage
Record Updated	Oct 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028520
Date	Sep 15, 2022
Instrument	2228520

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WINNEBAGO IL
Property Address	3137 RAMSGATE RD, ROCKFORD, IL 61114-6187
Document Number	0001013961
Instrument Date	May 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3137 RAMSGATE RD ROCKFORD IL 611146187, ROCKFORD, IL 61114-6187

Mortgage

Document Number	0001013961
Date	May 9, 2017
Instrument	1013961

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2047

Interest

Rate Type	Fixed Rate
Rate	4%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3137 RAMSGATE RD, ROCKFORD, IL 61114-6187
Document Number	0001013963
Instrument Date	Apr 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3137 RAMSGATE RD ROCKFORD IL 611146187, ROCKFORD, IL 61114-6187

Mortgage

Document Number	0001013963
Date	May 9, 2017
Instrument	1013963

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2047

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	$4,469.00	$58,620 (+23.66%) Land $13,190 Building $45,430	$175,860 (+23.66%) Land $39,570 Building $136,290
2022	Homeowner's exemption Disabled Person's exemption	$47,406 Land $9,329 Building $38,077	$142,218 Land $27,987 Building $114,231

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 389 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ramsgate Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures