5731 20th St, Rockford, IL 61109 Property Records

Winnebago County property record for 5731 20th St, Rockford, IL 61109

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,192 sqft · built 1961
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Individual Names on File
Last Sale	$199,000 (Feb 2024)
Tax Bill	$6,979 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`229D600`

Property Details

APN / Parcel Number

Primary APN	`229D600`
Alternative APN	`1513477021`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,192 sqft Living Area
Gross Area	3,882 sqft
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Finished Basement	300 sqft
Unfinished Basement	876 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	53,579 sqft
Lot Dimensions	191 ft deep x 206 ft wide
View / Lot	Traffic
Garage Type	Attached
Garage Area	814 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	229D600
Street Address	5731 20TH ST
City	ROCKFORD
State	IL
Zip	61109-3951
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	INC HWY S205.8FT E250.88FT N1/2 SE1/4SEC: 13 TWP: 043 RANGE: 001 ACRES: 1.23
Legal Range	01E
Legal Township	43N
Legal Section	13
Legal Block	13
Legal Lot Number	16
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	1
Census Block	1028
Census Tract	3706

Owner

5731 20th St is owned and occupied by two individuals who acquired it in June 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	5731 20TH ST, ROCKFORD, IL 61109-3951
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	Feb 20, 2024 · Amount on File
Deed Sale	Feb 20, 2024 · Amount on File
Prior Sale	Mar 24, 2005 · Amount on File
Deed Document Number	20243591
Last Transfer Date	Jun 13, 2024
Transfer Doc	0000013490
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Feb 20, 2024
Property Address	5731 20TH ST, ROCKFORD, IL 61109-3951
Document Number	0000003591
Map Reference	BK597 PG627
Instrument Date	Feb 15, 2024
Instrument	2403591
Transaction Type	Transfer
Record Updated	Mar 6, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$298.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5731 20TH ST, ROCKFORD, IL 61109-3951

Mortgage

Document Number	0000003592
Date	Feb 20, 2024
Instrument	2403592

Lender

Name	BLAZE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.38%

Tax Assessment & Valuation

The 2025 property tax bill for 5731 20th St was $6,979.

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	$6,979.00	$90,941 Land $14,619 Building $76,322	$272,823 Land $43,857 Building $228,966
2022	Homeowner's exemption	$64,321 Land $10,340 Building $53,981	$192,963 Land $31,020 Building $161,943

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 5731 20th St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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 Policies	2 in force
Nearby Flood Claims	5 (1979–2009)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Aug 2009 · other causes

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 5731 20th St 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 97% of the US · lower than 79% 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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20