Winnebago County property record for 5357 Pepper Dr, Rockford, IL 61114
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,414 sqft · built 1994 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $28,500 (May 1994) |
| Tax Bill | $9,458 (2025) |
| Deeds & Mortgages | Dec 2023 Reverse Mortgage Dec 2023 Reverse Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 148C352 |
| Primary APN | 148C352 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,414 sqft Living Area |
| Gross Area | 3,871 sqft |
| 1st Floor Area | 744 sqft |
| Basement Area | 744 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 24,394 sqft (0.56 acres) |
| Lot Dimensions | 188 ft deep x 50 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 713 sqft |
| Driveway | Driveway |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Deck Area | 357 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 148C352 |
|---|---|
| Street Address | 5357 PEPPER DR |
| City | ROCKFORD |
| State | IL |
| Zip | 61114-7003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | PLAT NO 3 DEER POINTE ESTATES BNG PT SW1/4 SEC 4-44-2 LOT 52 |
| Legal Range | 2 |
| Legal Township | 44 |
| Legal Section | 4 |
| Legal Subdivision | PLAT NO 3 DEER POINTE ESTATES |
| Legal Lot Number | 52 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | ROCKFORD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 516 |
5357 Pepper Dr is owned and occupied by two individuals who acquired it in May 2025.
Source: Winnebago County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5357 PEPPER DR, ROCKFORD, IL 61114-7003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 15, 2023 | Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMISSIONER |
| Dec 15, 2023 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE |
| Sep 26, 2018 | Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 1994 · Amount on File |
| Deed Sale | May 11, 1994 · Amount on File |
| Deed Document Number | 199428656 |
| Last Transfer Date | May 22, 2025 |
| Transfer Doc | 0000013811 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 5357 PEPPER DR, ROCKFORD, IL 61114-7003 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2024 |
| Title Company | LAKESHORE TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000029536 |
|---|---|
| Date | Dec 15, 2023 |
| Instrument | 2329536 |
| Name | FEDERAL HOUSING COMISSIONER |
|---|---|
| Type | Government Agency |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 776 Months |
| Due | Aug 12, 2088 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.41% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2020 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 5357 PEPPER DR, ROCKFORD, IL 61114-7003 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2024 |
| Title Company | LAKESHORE TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000029535 |
|---|---|
| Date | Dec 15, 2023 |
| Instrument | 2329535 |
| Name | MUTUAL OF OMAHA MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 776 Months |
| Due | Aug 12, 2088 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.41% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2020 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 5357 PEPPER DR, ROCKFORD, IL 61114-7003 |
| Document Number | 0001028354 |
| Instrument Date | Sep 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5357 PEPPER DR ROCKFORD IL 611147003, ROCKFORD, IL 61114-7003 |
| Document Number | 0001028354 |
|---|---|
| Date | Oct 1, 2018 |
| Instrument | 1028354 |
| Name | MIDLAND STATES BK |
|---|---|
| Type | Bank |
| Address | ROCKFORD, IL 61108 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 30, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
The 2025 property tax bill for 5357 Pepper Dr was $9,458 with exemptions applied.
Source: Winnebago County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Winnebago County |
| County Subdivision | Rockford Township |
| Municipality | Rockford City |
| Unified School District | Rockford School District 205 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,458.00 | $131,633 Land $23,235 Building $108,398 | $394,899 Land $69,705 Building $325,194 |
| 2022 | Homeowner's exemption | $93,002 Land $16,433 Building $76,569 | $279,006 Land $49,299 Building $229,707 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5357 Pepper Dr in Zone X, an area of minimal flood risk.
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 risk around 5357 Pepper Dr 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 99.1% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 355 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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