3860 Kaiser Ln, Rockford, IL 61114 Property Records

Winnebago County property record for 3860 Kaiser Ln, Rockford, IL 61114

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,486 sqft · built 1990
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Oct 2020)
Tax Bill	$7,261 (2025)
Deeds & Mortgages	Nov 2020 Transfer Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`147C553`

Property Details

APN / Parcel Number

Primary APN	`147C553`
Alternative APN	`1203301010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,486 sqft Living Area
Gross Area	4,618 sqft
1st Floor Area	2,034 sqft
Basement Area	2,034 sqft
Finished Basement	1,452 sqft
Unfinished Basement	582 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	550 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3860 KAISER LN
City	ROCKFORD
State	IL
Zip	61114-8110
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 3
Legal Range	2
Legal Township	44
Legal Section	3
Legal Subdivision	TRAINER HILLS SUB
Legal Lot Number	3
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	1
Census Block	1003
Census Tract	510

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	3860 KAISER LN, ROCKFORD, IL 61114-8110
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2020	Quit Claim Deed, Transfer TITLE UNDERWRITERS AGENCY
Oct 19, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BK/ROCKFORD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2020 · Amount on Record
Deed Sale	Oct 19, 2020 · Amount on Record
Prior Sale	Sep 16, 1994 · Amount on Record
Deed Document Number	20201031488
Last Transfer Date	Oct 28, 2020
Transfer Doc	0001033990
Record Updated	Oct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Nov 5, 2020
Property Address	3860 KAISER LN, ROCKFORD, IL 61114-8110
Document Number	0001033990
Instrument Date	Oct 28, 2020
Instrument	1033990
Transaction Type	Transfer
Record Updated	Nov 23, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3860 KAISER LN ROCKFORD IL 611148110, ROCKFORD, IL 61114-8110

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Oct 19, 2020
Property Address	3860 KAISER LN, ROCKFORD, IL 61114-8110
Document Number	0001031488
Instrument Date	Oct 14, 2020
Instrument	1031488
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3860 KAISER LN ROCKFORD IL 611148110, ROCKFORD, IL 61114-8110

Mortgage

Document Number	1031489
Date	Oct 19, 2020
Instrument	1031489

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2050

Interest

Rate Type	Fixed Rate
Rate	2.62%

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	$7,261.00 (+5.43%) Homeowner's exemption Senior Citizen's exemption	$93,246 (+11.43%) Land $12,975 Building $80,271	$279,738 (+11.43%) Land $38,925 Building $240,813
2024	$6,887.00	$83,681 (+26.88%) Land $11,644 Building $72,037	$251,043 (+26.88%) Land $34,932 Building $216,111
2022	Homeowner's exemption	$65,951 Land $9,177 Building $56,774	$197,853 Land $27,531 Building $170,322

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
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

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

Wildfire Risk	Not rated no burnable land within 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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