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416 E State St, Rockford, IL 61104 Property Records

Winnebago County property record for 416 E State St, Rockford, IL 61104

Property Summary

Property TypeCommercial Office
Details5,881 sqft · built 1907
Lot Size0.7 acres (3,049 sqft)
Owner2 Individual Names on File
Last Sale$275,000 (Oct 2019)
Tax Bill$6,834 (2025)
Deeds & MortgagesOct 2019 Sale & Line of Credit
Flood ZoneZone X (minimal risk)
APN203C604

Property Details

APN / Parcel Number

Primary APN203C604
Alternative APN
  • 1123386015

Interior

Units14 Units
Stories2 Stories
Building Area5,881 sqft Gross Area

Exterior

Year BuiltBuilt 1907
Effective Year BuiltEffective 1907
Exterior MaterialBrick
Construction TypeFrame
Lot Area3,049 sqft (0.7 acres)
View / LotTraffic

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address416 E STATE ST
CityROCKFORD
StateIL
Zip61104-1046
Property CategoryCommercial
Property TypeCommercial > Office > Commercial Office
Local Zoning CodeC4
Legal DescriptionASSRS PLAT BLK 29 EAST RKFD LOTS 11 +12 ALSO ALLEY VAC ADJ N + WLY 30FT S2FT LOT 005 BLOCK 029
Legal SubdivisionEAST RKFD
Legal Block29
Legal Lot Number5,11
JurisdictionWINNEBAGO IL
Township / Civil DivisionROCKFORD
Census Block Group1
Census Block1028
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

416 E State St, a commercial property, is owned by two individuals who bought it in October 2019.

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

Owner of Record2 Individual Names on File
Mailing Address416 E STATE ST, ROCKFORD, IL 61104-1046
Owner TypeIndividual
VestingJoint 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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 11, 2019 · Amount on File
Deed SaleOct 11, 2019 · Amount on File
Prior SaleOct 11, 2019 · Amount on File
Deed Document Number20191034295
Record UpdatedOct 29, 2026

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINNEBAGO IL
Recording DateOct 11, 2019
Property Address416 E STATE ST, ROCKFORD, IL 61104-1046
Document Number0001034295
Instrument DateOct 9, 2019
Instrument1034295
Transaction TypeTransfer
Record UpdatedNov 15, 2019
Title CompanyMETROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE AGENCY INC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$412.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address416 E STATE ST ROCKFORD IL 611041046, ROCKFORD, IL 61104-1046

Mortgage

Document Number1034296
DateOct 11, 2019
Instrument1034296
Lender
NameCENTRAL BK/IL
TypeBank
AddressROCHELLE, IL 61068
Agreement
TypeLine of Credit
AmountAmount on Record
Term60 Months
DueOct 10, 2024
Interest
Rate TypeAdjustable Rate

Mortgage

Document Number1034297,
DateOct 11, 2019
Instrument1034297
Lender
NameUEP INVS 1 LLC
Address401 E STATE ST # 4, ROCKFORD, IL 61104-1027
Agreement
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 416 E State St was $6,834.

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$6,834.00$77,410 Land $6,352 Building $71,058$232,230 Land $19,056 Building $213,174
2022$62,215 Land $4,492 Building $57,723$186,645 Land $13,476 Building $173,169

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 416 E State St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.

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

The area around 416 E State St has no burnable land within ember reach, so its wildfire risk is not rated.

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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