5405 Regency Way, Rockford, IL 61114 Property Records

Winnebago County property record for 5405 Regency Way, Rockford, IL 61114

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,640 sqft · built 1976
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Dec 2025)
Tax Bill	$6,180 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`153C374A`

Property Details

APN / Parcel Number

Primary APN	`153C374A`
Alternative APN	`1209380015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,640 sqft Living Area
Gross Area	3,078 sqft
1st Floor Area	910 sqft
Basement Area	910 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	140 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	528 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	153C374A
Street Address	5405 REGENCY WAY
City	ROCKFORD
State	IL
Zip	61114-6425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SPRING CREST NO 3 BNG PT E1/2 SW1/4 SEC 9-44-2 W 30 FT LOT 51 & ALL LOT 52
Legal Range	2
Legal Township	44
Legal Section	9
Legal Subdivision	SPRING CREST SUB #3
Legal Lot Number	51,52
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	1
Census Block	1021
Census Tract	516

Owner

5405 Regency Way is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	5405 REGENCY WAY, ROCKFORD, IL 61114-6425
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

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
Jul 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage MEMBERSALLIANCE CREDIT UNION
Dec 10, 2025	Warranty Deed, Transfer MAGNUS TITLE AGENCY, MTA
Apr 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST NORTHERN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2025 · Amount on File
Deed Sale	Dec 10, 2025 · Amount on File
Prior Sale	Jul 1, 2016 · Amount on File
Deed Document Number	202532134
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	Jul 6, 2026
Property Address	5405 REGENCY WAY, ROCKFORD, IL 61114-6425
Document Number	0000017019
Instrument Date	Jun 24, 2026
Instrument	202617019
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	5405 REGENCY WAY, ROCKFORD, IL 61114-6425
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017019,
Date	Jul 6, 2026
Instrument	202617019

Lender

Name	MEMBERSALLIANCE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 25, 2041

Interest

Rate Type	Fixed Rate
Rate	8.25%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 10, 2025
Property Address	5405 REGENCY WAY, ROCKFORD, IL 61114-6425
Document Number	0000032134
Map Reference	PB 32 PG 274
Instrument Date	Dec 10, 2025
Instrument	2532134
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	MAGNUS TITLE AGENCY, MTA

Transaction

Amount	Amount on Record
Tax	$367.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5405 REGENCY WAY, ROCKFORD, IL 61114-6425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5405 REGENCY WAY, ROCKFORD, IL 61114-6425
Investor	Possibly a Property Investor

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	5405 REGENCY WAY, ROCKFORD, IL 61114-6425
Transaction Type	Mortgage
Record Updated	Apr 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010848
Date	Apr 6, 2022
Instrument	2210848

Lender

Name	FIRST NORTHERN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Mar 17, 2027

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 5405 Regency Way was $6,180, up 4.8% from the year before.

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	$6,180.00 (+4.83%) Homeowner's exemption	$76,005 (+11.43%) Land $12,146 Building $63,859	$228,015 (+11.43%) Land $36,438 Building $191,577
2024	$5,895.00 Homeowner's exemption	$68,209 Land $10,900 Building $57,309	$204,627 Land $32,700 Building $171,927
2022	Homeowner's exemption	$51,499 Land $8,590 Building $42,909	$154,497 Land $25,770 Building $128,727

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

FEMA maps place 5405 Regency Way in Zone X, an area of minimal flood risk.

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

The area around 5405 Regency Way 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 376 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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