5040 Tate Rd, Rockford, IL 61101 Property Records

Winnebago County property record for 5040 Tate Rd, Rockford, IL 61101

Property Summary

Property Type	Rural Home
Lot Size	2.51 acres (109,336 sqft)
Owner	Company Name on Record
Tax Bill	$5,358 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-31-200-007`

Property Details

APN / Parcel Number

Primary APN	`07-31-200-007`
Alternative APNs	`731200007` `103 001C`

Exterior

Lot Area	109,336 sqft

Location & Zoning

Account Number	103 001C
Street Address	5040 TATE RD
City	ROCKFORD
State	IL
Zip	61101-8563
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA
Legal Description	BEG 150 FT N OF SE COR NE 1/4 TH W 322FT N 92.4 FT W 250 FT N 138.6 FT E 572 FT S 231 FT TO POB PT SE 1/4 NE1/4 SEC SEC: 31 TWP: 45 RANGE: 1 ACRES: 2.5
Legal Range	01E
Legal Township	45N
Legal Section	31
Jurisdiction	WINNEBAGO IL
Township / Civil Division	OWEN
Census Block Group	2
Census Block	2049
Census Tract	3801

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	Company Name on Record
Mailing Address	5040 TATE RD, ROCKFORD, IL 61101-8563
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · Balloon Mortgage FIRST NATIONAL BANK & TRUST CO
Nov 6, 2019	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	5040 TATE RD, ROCKFORD, IL 61101-8563
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011299
Date	Apr 11, 2022
Instrument	2211299

Lender

Name	FIRST NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 24, 2032

Interest

Rate Type	Fixed Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	5040 TATE RD, ROCKFORD, IL 61101-8563
Document Number	0001006292
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Mar 16, 2020
Title Company	INGEO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5040 TATE RD ROCKFORD IL 611018563, ROCKFORD, IL 61101-8563

Mortgage

Document Number	0001006292
Date	Mar 5, 2020
Instrument	1006292

Lender

Name	MIDLAND STATES BK
Type	Bank
Address	ROCKFORD, IL 61107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 4, 2035

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,358.00	$89,856 (+40.54%) Land $23,447 Building $66,409	$269,568 (+40.54%) Land $70,341 Building $199,227
2022	Homeowner's exemption	$63,937 Land $16,684 Building $47,253	$191,811 Land $50,052 Building $141,759

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Rise Broadband Fixed Wireless	25 / 5
AT&T Fixed Wireless	25 / 3

May also be available: AaroBand, Silo Communications.

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