3854 Badger Rd, Rockford, IL 61114 Property Records

Winnebago County property record for 3854 Badger Rd, Rockford, IL 61114

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,188 sqft · built 1989
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Jul 2017)
Tax Bill	$6,718 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`147C583`

Property Details

APN / Parcel Number

Primary APN	`147C583`
Alternative APN	`1203302011`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,188 sqft Living Area
Gross Area	3,848 sqft
1st Floor Area	1,336 sqft
Basement Area	1,336 sqft
Finished Basement	252 sqft
Unfinished Basement	1,084 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	576 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Deck Area	518 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	147C583
Street Address	3854 BADGER RD
City	ROCKFORD
State	IL
Zip	61114-8113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRAINER HILLS SUB BNG PT SW1/4 SEC 3-44-2 LOT 33
Legal Range	2
Legal Township	44
Legal Section	3
Legal Subdivision	TRAINER HILLS SUB
Legal Lot Number	33
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	1
Census Block	1006
Census Tract	510

Owner

3854 Badger Rd is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	3854 BADGER RD, ROCKFORD, IL 61114-8113
Occupancy	Owner Occupied
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

Date	Document
May 1, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK ROCKFORD
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Feb 13, 2018	Deed of Trust, Mortgage · Line of Credit ALPINE BK&TR
Jul 26, 2017	Warranty Deed, Transfer · FHA Mortgage ALPINE BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2017 · Amount on File
Deed Sale	Jul 26, 2017 · Amount on File
Prior Sale	Jun 23, 2010 · Amount on File
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3854 BADGER RD, ROCKFORD, IL 61114-8113
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009058
Date	May 1, 2023
Instrument	2309058

Lender

Name	NORTHWEST BANK ROCKFORD
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	8%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3854 BADGER RD, ROCKFORD, IL 61114-8113
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024209
Date	Jul 12, 2021
Instrument	2124209

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 6, 2031

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3854 BADGER RD, ROCKFORD, IL 61114-8113
Document Number	0001006309
Instrument Date	Feb 13, 2018
Transaction Type	Mortgage
Record Updated	Apr 2, 2018
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3854 BADGER RD ROCKFORD IL 611148113, ROCKFORD, IL 61114-8113

Mortgage

Document Number	0001006309
Date	Mar 6, 2018
Instrument	1006309

Lender

Name	ALPINE BK&TR
Type	Bank
Address	ROCKFORD, IL 61107

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.49%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jul 26, 2017
Property Address	3854 BADGER RD, ROCKFORD, IL 61114-8113
Document Number	0001022470
Instrument Date	Jul 18, 2017
Instrument	1022470
Transaction Type	Transfer
Record Updated	Aug 21, 2017
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
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	3854 BADGER RD ROCKFORD IL 611148113, ROCKFORD, IL 61114-8113

Mortgage

Document Number	1022471
Date	Jul 26, 2017
Instrument	1022471

Lender

Name	ALPINE BK&TR
Type	Bank
Address	ROCKFORD, IL 61107

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 25, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 3854 Badger Rd was $6,718 with a homeowner's exemption, down 1.8% from the year before.

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	$6,718.00 (-1.75%) Homeowner's exemption	$87,099 (+11.43%) Land $12,975 Building $74,124	$261,297 (+11.43%) Land $38,925 Building $222,372
2024	$6,838.00	$78,165 Land $11,644 Building $66,521	$234,495 Land $34,932 Building $199,563
2022	Homeowner's exemption	$61,604 Land $9,177 Building $52,427	$184,812 Land $27,531 Building $157,281

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 3854 Badger Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2002.

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 Claims	1 (2002)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2002 · rainfall accumulation

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 3854 Badger 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 97% of the US · lower than 79% 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 208 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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