4860 Simpson Rd, Rockford, IL 61102 Property Records

Winnebago County property record for 4860 Simpson Rd, Rockford, IL 61102

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,474 sqft · built 1900
Lot Size	7.43 acres (323,651 sqft)
Owner	2 Individual Names on File
Last Sale	$249,900 (Jul 2003)
Tax Bill	$14,351 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`225B503B`

Property Details

APN / Parcel Number

Primary APN	`225B503B`
Alternative APN	`1509101002`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,474 sqft Living Area
Gross Area	4,464 sqft
1st Floor Area	1,222 sqft
Basement Area	1,222 sqft
Game Room	Game Room
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	323,651 sqft
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	225B503B
Street Address	4860 SIMPSON RD
City	ROCKFORD
State	IL
Zip	61102-4551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	BEG S LN SIMPSON RD & 649.3 FT E OF WSEC LN TH E 624.25 FT TH SWLY 472.56 FT TH SELY 409.38 FT TH W 443.36 FT THN 794.27 FT O POB NW 1/4 SEC SEC: 09 T
Legal Block	9
Legal Lot Number	16
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	1
Census Block	1034
Census Tract	3711

Owner

4860 Simpson Rd is owned and occupied by two individuals who bought it in July 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	4860 SIMPSON RD, ROCKFORD, IL 61102-4551
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2003 · Amount on File
Deed Sale	Jul 31, 2003 · Amount on File
Deed Document Number	20033101177
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	4860 SIMPSON RD, ROCKFORD, IL 61102-4551
Document Number	0001011908
Instrument Date	Apr 19, 2018
Transaction Type	Mortgage
Record Updated	Oct 16, 2018
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4860 SIMPSON RD ROCKFORD IL 611024551, ROCKFORD, IL 61102-4551

Mortgage

Document Number	0001011908
Date	Apr 30, 2018
Instrument	1011908

Lender

Name	HERITAGE CU
Type	Credit Union
Address	MADISON, WI 53704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	264 Months
Due	Apr 29, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4860 Simpson Rd was $14,351 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Rockford Township
Unified School District	Rockford School District 205 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,351.00	$199,110 Land $27,365 Building $171,745	$597,330 Land $82,095 Building $515,235
2022	Homeowner's exemption	$140,827 Land $19,355 Building $121,472	$422,481 Land $58,065 Building $364,416

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

Flood

FEMA maps place 4860 Simpson Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jul 1978 · 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

Wildfire risk around 4860 Simpson Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 61% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 48 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
AT&T Fixed Wireless	100 / 20