420 12th St, Rockford, IL 61104 Property Records

Winnebago County property record for 420 12th St, Rockford, IL 61104

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,298 sqft · built 1900
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,860 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`205B802`

Property Details

APN / Parcel Number

Primary APN	`205B802`
Alternative APN	`1125177008`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,298 sqft Living Area
Gross Area	3,387 sqft
1st Floor Area	1,089 sqft
Basement Area	1,089 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	150 ft deep x 132 ft wide
Terrain	High
View / Lot	Corner
Garage Type	Detached
Garage Area	1,200 sqft
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	205B802
Street Address	420 12TH ST
City	ROCKFORD
State	IL
Zip	61104-3216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	W T ROBERTSONS ADDN LOTS 5 + 006 BLOCK1
Legal Subdivision	W T ROBERTSONS ADDN
Legal Block	1
Legal Lot Number	5,006
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	2
Census Block	2008
Census Tract	1300

Owner

420 12th St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	420 12TH ST, ROCKFORD, IL 61104-3216
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT
Apr 20, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L
Feb 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	420 12TH ST, ROCKFORD, IL 61104-3216
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041121
Date	Nov 15, 2021
Instrument	2141121

Lender

Name	VILLAGE CAPITAL & INVESTMENT
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	420 12TH ST, ROCKFORD, IL 61104-3216
Document Number	0001012570
Instrument Date	Apr 20, 2017
Transaction Type	Mortgage
Record Updated	May 10, 2017
Title Company	COMMONWEALTH USA SETTLEMENTS L

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	420 12TH ST ROCKFORD IL 611043216, ROCKFORD, IL 61104-3216

Mortgage

Document Number	0001012570
Date	Apr 26, 2017
Instrument	1012570

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 25, 2047

Interest

Rate	4.75%

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Feb 22, 2017
Property Address	420 12TH ST, ROCKFORD, IL 61104-3216
Document Number	0001005412
Instrument Date	Feb 21, 2017
Instrument	1005412
Transaction Type	Transfer
Record Updated	Mar 6, 2017
Title Company	ATTORNEY ONLY

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	420 12TH ST ROCKFORD IL 611043216, ROCKFORD, IL 61104-3216

Tax Assessment & Valuation

The 2025 property tax bill for 420 12th St was $1,860 with exemptions applied.

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	$1,860.00	$32,071 Land $9,604 Building $22,467	$96,213 Land $28,812 Building $67,401
2022	Homeowner's exemption	$22,683 Land $6,793 Building $15,890	$68,049 Land $20,379 Building $47,670

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

Flood

FEMA maps place 420 12th St in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2006.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	18 (2006–2024)
Most Recent Claim	Jul 2024 · Severe Storms, Tornadoes, Straight-line Winds, And Floodng
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Floodng, Jul 2024 · 2 claims Severe Storms And Flooding, Aug 2007 · 6 claims

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 420 12th 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 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 546 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

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