4604 E State St, Rockford, IL 61108 Property Records

Winnebago County property record for 4604 E State St, Rockford, IL 61108

Property Summary

Property Type	Commercial
Details	2,296 sqft · built 1964
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$137,500 (Feb 2005)
Tax Bill	$3,629 (2025)
Deeds & Mortgages	Aug 2020 Sale Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`173A020`

Property Details

APN / Parcel Number

Primary APN	`173A020`
Alternative APN	`1229205011`

Interior

Units	2 Units
Stories	1 Story
Building Area	2,296 sqft Gross Area
1st Floor Area	2,296 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
View / Lot	Traffic

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4604 E STATE ST
City	ROCKFORD
State	IL
Zip	61108-2126
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C3
Legal Description	PALMWOOD ACRES BNG SUB PT NE 1/4 SEC 29-44-2 E 3RD P M LOT 002 BLOCK 002
Legal Range	2
Legal Township	44
Legal Section	29
Legal Subdivision	PALMWOOD ACRES
Legal Block	002
Legal Lot Number	002
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	1
Census Block	1019
Census Tract	507

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	2 Individual Names on Record
Mailing Address	7388 SKYVIEW TRL, ROSCOE, IL 61073-8106
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Mar 20, 2020	Deed of Trust, Mortgage · Line of Credit DONALD J & TARA L CUPPINI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2005 · Amount on Record
Deed Sale	Feb 15, 2005 · Amount on Record
Deed Document Number	2005509117
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 28, 2020
Property Address	4604 E STATE ST, ROCKFORD, IL 61108-2126
Document Number	0001025022
Instrument Date	Aug 19, 2020
Instrument	1025022
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	218 W STATE ST CHERRY VALLEY IL 610169320, CHERRY VALLEY, IL 61016-9320

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	4604 E STATE ST, ROCKFORD, IL 61108-2126
Document Number	0001007781
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	Apr 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4604 E STATE ST ROCKFORD IL 611082126, ROCKFORD, IL 61108-2126

Mortgage

Document Number	0001007781
Date	Mar 23, 2020
Instrument	1007781

Lender

Name	DONALD J & TARA L CUPPINI
Address	6833 STALTER DR, ROCKFORD, IL 61108-2579

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$3,629.00 (+7.62%)	$41,114 (+41.39%) Land $26,489 Building $14,625	$123,342 (+41.39%) Land $79,467 Building $43,875
2022	$3,372.00	$29,079 Land $18,735 Building $10,344	$87,237 Land $56,205 Building $31,032

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force

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 198 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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