401 E State St, Rockford, IL 61104 Property Records

Winnebago County property record for 401 E State St, Rockford, IL 61104

Property Summary

Property Type	Commercial Office
Details	40,913 sqft · built 1968
Lot Size	0.64 acres (27,878 sqft)
Owner	Company Name on Record
Last Sale	$1,269,900 (Sep 2006)
Tax Bill	$44,518 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`203C625`

Property Details

APN / Parcel Number

Primary APN	`203C625`
Alternative APN	`1123387001`

Interior

Units	7 Units
Stories	4 Stories
Building Area	40,913 sqft Gross Area
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick
Construction Type	Concrete
Lot Area	27,878 sqft (0.64 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	203C625
Street Address	401 E STATE ST
City	ROCKFORD
State	IL
Zip	61104-1027
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	C4
Legal Description	ASSRS PLT BLK 30 EAST RKFD LOTS 14 1516 17 18 + 19 BLK 30 ALSO ALL VAC ALLEY LYG N OF + ADJ TO LT 014 BLOCK 030
Legal Subdivision	EAST RKFD
Legal Block	30
Legal Lot Number	14
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	1
Census Block	1034
Census Tract	1100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the East Rockford Historic District listed 1980 · 50 contributing resources · NRIS 80001422

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	134 N 1ST ST, ROCKFORD, IL 61107-3900
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Deed of Trust, Mortgage · Commercial Mortgage BYRON BANK
Mar 14, 2022	Deed of Trust, Mortgage · Commercial Mortgage BYRON BANK
Apr 6, 2018	Grant Deed, Mortgage · Line of Credit BYRON BK-PG
Apr 27, 2017	Deed of Trust, Mortgage · Line of Credit BYRON BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2006 · Amount on Record
Deed Sale	Sep 27, 2006 · Amount on Record
Deed Document Number	2006659880
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	401 E STATE ST, ROCKFORD, IL 61104-1027
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034606
Date	Nov 15, 2022
Instrument	2234606

Lender

Name	BYRON BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	401 E STATE ST, ROCKFORD, IL 61104-1027
Transaction Type	Mortgage
Record Updated	Apr 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008016
Date	Mar 14, 2022
Instrument	2208016

Lender

Name	BYRON BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 11, 2042

Interest

Rate Type	Adjustable Rate

April 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Apr 6, 2018
Property Address	401 E STATE ST, ROCKFORD, IL 61104-1027
Instrument Date	Apr 5, 2018
Instrument	1009643
Transaction Type	Mortgage
Record Updated	Apr 26, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	134 N 1ST ST ROCKFORD IL 611073900, ROCKFORD, IL 61107-3900

Mortgage

Document Number	0001009643
Date	Apr 6, 2018
Instrument	1009643

Lender

Name	BYRON BK-PG
Type	Bank
Address	200 N WALNUT ST, BYRON, IL 61010-8803

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 5, 2023

Interest

Rate Type	Adjustable Rate
Rate	5.25%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	401 E STATE ST, ROCKFORD, IL 61104-1027
Document Number	0001013406
Instrument Date	Apr 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	317 MARKET ST ROCKFORD IL 611073943, ROCKFORD, IL 61107-3943

Mortgage

Document Number	0001013406
Date	May 3, 2017
Instrument	1013406

Lender

Name	BYRON BK
Type	Bank
Address	BYRON, IL 61010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	May 2, 2029

Interest

Rate Type	Adjustable Rate
Rate	1.77%

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	$44,518.00	$504,227 (+77.44%) Land $45,744 Building $458,483	$1,512,681 (+77.44%) Land $137,232 Building $1,375,449
2022		$284,170 Land $32,353 Building $251,817	$852,510 Land $97,059 Building $755,451

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	5 (1978–1996)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jan 1996 · 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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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