412 E State St, Rockford, IL 61104 Property Records

Winnebago County property record for 412 E State St, Rockford, IL 61104

Property Summary

Property Type	Commercial
Details	4,308 sqft · built 1900
Lot Size	0.4 acres (1,742 sqft)
Owner	Company Name on Record
Tax Bill	$8,747 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`203C606`

Property Details

APN / Parcel Number

Primary APN	`203C606`
Alternative APN	`1123386013`

Interior

Stories	2 Stories
Building Area	4,308 sqft Gross Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Frame
Lot Area	1,742 sqft (0.4 acres)
View / Lot	Traffic

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	203C606
Street Address	412 E STATE ST
City	ROCKFORD
State	IL
Zip	61104-1015
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C4
Legal Description	ASSRS PLAT BLK 29 EAST RKFD LOTS 14 +015 BLOCK 029
Legal Subdivision	EAST RKFD
Legal Block	29,02
Legal Lot Number	14
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	1
Census Block	1027
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 September 24, 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
May 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PONTIAC
Nov 2, 2020	Loan Modification, Mortgage HOLCOMB BK
Sep 4, 2018	Loan Modification, Mortgage · Line of Credit HOLCOMB BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2018
Deed Sale	Jul 12, 2018
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	May 27, 2026
Property Address	412 E STATE ST, ROCKFORD, IL 61104-1015
Document Number	0000013038
Instrument Date	May 18, 2026
Instrument	202613038
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	134 N 1ST ST, ROCKFORD, IL 61107-3900

Mortgage

Document Number	0000013038,
Date	May 27, 2026
Instrument	202613038

Lender

Name	BANK OF PONTIAC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	96 Months
Due	May 18, 2034

Interest

Max Rate	-1%

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WINNEBAGO IL
Property Address	412 E STATE ST, ROCKFORD, IL 61104-1015
Document Number	0001036852
Instrument Date	Nov 2, 2020
Transaction Type	Mortgage
Record Updated	Jan 14, 2021
Title Company	NOT AVAILABLE

Transaction

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	0001036852
Date	Dec 1, 2020
Instrument	1036852

Lender

Name	HOLCOMB BK
Address	233 E IL ROUTE 38, ROCHELLE, IL 61068-2303

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Nov 30, 2025

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 4, 2018
Property Address	412 E STATE ST, ROCKFORD, IL 61104-1015
Instrument Date	Jul 12, 2018
Instrument	1025334
Transaction Type	Mortgage
Record Updated	Sep 21, 2018
Title Company	OTHER

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	0001025334
Date	Sep 4, 2018
Instrument	1025334

Lender

Name	HOLCOMB BK
Address	108 W MAIN ST, HOLCOMB, IL 61043

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 3, 2023

Interest

Rate Type	Adjustable Rate

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	$8,747.00	$99,081 (+38.92%) Land $3,720 Building $95,361	$297,243 (+38.92%) Land $11,160 Building $286,083
2022		$71,324 Land $2,631 Building $68,693	$213,972 Land $7,893 Building $206,079

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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