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406 E State St, Rockford, IL 61104 Property Records

Winnebago County property record for 406 E State St, Rockford, IL 61104

Property Summary

Property TypeCommercial
Details1,320 sqft · built 1910
Lot Size0.4 acres (1,742 sqft)
OwnerCompany Name on Record
Last Sale$190,000 (Nov 2023)
Tax Bill$2,009 (2025)
Deeds & MortgagesNov 2023 Sale & Mortgage
Sep 2018 Sale & Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN203C608

Property Details

APN / Parcel Number

Primary APN203C608
Alternative APN
  • 1123386011

Interior

Stories1 Story
Building Area1,320 sqft Gross Area
1st Floor Area1,320 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Exterior MaterialBrick
Construction TypeFrame
Lot Area1,742 sqft (0.4 acres)
View / LotTraffic

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address406 E STATE ST
CityROCKFORD
StateIL
Zip61104-1015
Property CategoryCommercial
Property TypeCommercial > Retail
Local Zoning CodeC4
Legal DescriptionASSRS PLAT BLK 29 EAST RKFD LOT 019 BLOCK 029
Legal SubdivisionEAST RKFD
Legal Block29,02
Legal Lot Number019
JurisdictionWINNEBAGO IL
Township / Civil DivisionROCKFORD
Census Block Group1
Census Block1027
Census Tract1100

Historic Designation

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

Historic DistrictWithin 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 RecordCompany Name on Record
Mailing Address117 S 3RD ST, A, ROCKFORD, IL 61104-1109
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Nov 28, 2023Warranty Deed, Transfer · Commercial Mortgage
ST CHARLES BANK & TRUST CO
Sep 28, 2018Warranty Deed, Transfer · Line of Credit
MIDLAND STATES BK
Aug 10, 2017Warranty Deed, Transfer
TITLE UNDERWRITERS AGENCY
Jul 18, 2017Trustee's Deed, Foreclosure
TITLE UNDERWRITERS AGENCY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 28, 2023 · Amount on Record
Deed SaleNov 28, 2023 · Amount on Record
Prior SaleSep 28, 2018 · Amount on Record
Deed Document Number202328020
Record UpdatedOct 29, 2026

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINNEBAGO IL
Recording DateNov 28, 2023
Property Address406 E STATE ST, ROCKFORD, IL 61104-1015
Document Number0000028020
Map ReferenceBK58 PG19
Instrument DateNov 21, 2023
Instrument2328020
Transaction TypeTransfer
Record UpdatedSep 18, 2025
Title CompanyTULSA ABSTRACT AND TITLE COMPANY, TUA

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$285.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address117 S 3RD ST STE A, A, ROCKFORD, IL 61104-1109

Mortgage

Document Number0000028021
DateNov 28, 2023
Instrument2328021
Lender
NameST CHARLES BANK & TRUST CO
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINNEBAGO IL
Recording DateSep 28, 2018
Property Address406 E STATE ST, ROCKFORD, IL 61104-1015
Document Number0001028077
Instrument DateSep 26, 2018
Instrument1028077
Transaction TypeTransfer
Record UpdatedNov 21, 2018
Title CompanyTITLE UNDERWRITERS AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$240.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address200 PRAIRIE ST #301 ROCKFORD IL 611073910, 301, ROCKFORD, IL 61107-3910

Mortgage

Document Number1028078
DateSep 28, 2018
Instrument1028078
Lender
NameMIDLAND STATES BK
TypeBank
AddressROCKFORD, IL 61108
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueSep 27, 2023
Interest
Rate TypeAdjustable Rate
Rate5.75%

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINNEBAGO IL
Recording DateAug 10, 2017
Property Address406 E STATE ST, ROCKFORD, IL 61104-1015
Document Number0001024404
Instrument DateAug 7, 2017
Instrument1024404
Transaction TypeTransfer
Record UpdatedAug 25, 2017
Title CompanyTITLE UNDERWRITERS AGENCY

Transaction

AmountAmount Recorded
Tax$150.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address120 W STATE ST ROCKFORD IL 611011125, ROCKFORD, IL 61101-1125

July 2017: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionWINNEBAGO IL
Recording DateJul 18, 2017
Property Address406 E STATE ST, ROCKFORD, IL 61104-1015
Document Number0001021549
Instrument DateJun 29, 2017
Instrument1021549
Transaction TypeForeclosure
Record UpdatedAug 1, 2017
Title CompanyTITLE UNDERWRITERS AGENCY

Transaction

Tax$0.00
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1700 N ALPINE RD ROCKFORD IL 611071459, ROCKFORD, IL 61107-1459

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyWinnebago County
County SubdivisionRockford Township
MunicipalityRockford City
Unified School DistrictRockford School District 205 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,009.00 (-8.64%)$22,763 (-1.93%) Land $3,897 Building $18,866$68,289 (-1.93%) Land $11,691 Building $56,598
2024$2,199.00$23,212 (+26.88%) Land $3,496 Building $19,716$69,636 (+26.88%) Land $10,488 Building $59,148
2022$18,295 Land $2,756 Building $15,539$54,885 Land $8,268 Building $46,617

Assessed value is set for property tax purposes, not a market price estimate; it is 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims5 (1978–1996)
Claims Outside the SFHA2 of 5
Most Recent ClaimJan 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 RiskNot 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 SystemROCKFORD
serves 147,051 people · EPA ID IL2010300
Water SourceGroundwater
Last State InspectionJan 2024
Lead10 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting9
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

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

May also be available: T-Mobile.

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