5877 Dover Rd, Rockford, IL 61109 Property Records

Winnebago County property record for 5877 Dover Rd, Rockford, IL 61109

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,872 sqft · built 1970
Lot Size	0.463 acres (20,178 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (May 2020)
Tax Bill	$3,958 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`256A218`

Property Details

APN / Parcel Number

Primary APN	`256A218`
Alternative APN	`1604426011`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,872 sqft Living Area
1st Floor Area	1,436 sqft
Basement Area	1,436 sqft
Finished Basement	1,436 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Frame
Roof Material	Asphalt
Lot Area	20,178 sqft (0.463 acres)
Garage Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5877 DOVER RD
City	ROCKFORD
State	IL
Zip	61109-1730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	COVENTRY HILLS SUB PT E1/2 E1/2 SEC 4-43-2 LT LOT 019
Legal Range	2
Legal Township	43
Legal Section	4
Legal Subdivision	COVENTRY HILLS SUB
Legal Lot Number	019
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	1
Census Block	1018
Census Tract	3710

Owner

5877 Dover Rd is owned and occupied by an individual who bought it in May 2020.

Source: Winnebago County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	5877 DOVER RD, ROCKFORD, IL 61109-1730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Deed of Trust, Mortgage HUD
Jan 31, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
May 29, 2020	Warranty Deed, Transfer · FHA Mortgage FIRST NAT'L BK/OMAHA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2020 · Amount on File
Deed Sale	May 29, 2020 · Amount on File
Deed Document Number	202013842
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	5877 DOVER RD, ROCKFORD, IL 61109-1730
Transaction Type	Mortgage
Record Updated	Oct 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021110
Date	Sep 12, 2023
Instrument	2321110

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount on Record
Term	480 Months
Due	Jun 1, 2063

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	5877 DOVER RD, ROCKFORD, IL 61109-1730
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003093
Date	Jan 31, 2022
Instrument	2203093

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	May 29, 2020
Property Address	5877 DOVER RD, ROCKFORD, IL 61109-1730
Document Number	0001013842
Instrument Date	May 19, 2020
Instrument	1013842
Transaction Type	Transfer
Record Updated	Jun 17, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5877 DOVER RD ROCKFORD IL 611091730, ROCKFORD, IL 61109-1730

Mortgage

Document Number	1013843
Date	May 29, 2020
Instrument	1013843

Lender

Name	FIRST NAT'L BK/OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 28, 2050

Mortgage

Document Number	1013844,
Date	May 29, 2020
Instrument	1013844

Lender

Name	ILLINOIS HSNG DEV AUTHORITY
Address	CHICAGO, IL 60601

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 5877 Dover Rd was $3,958 with a homeowner's exemption, up 5.2% 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	Cherry Valley Township
Unified School District	Rockford School District 205 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,958.00 (+5.15%) Homeowner's exemption	$58,427 (+10.55%) Land $11,484 Building $46,943	$175,281 (+10.55%) Land $34,452 Building $140,829
2024	$3,764.00	$52,851 Land $10,388 Building $42,463	$158,553 Land $31,164 Building $127,389
2022	Homeowner's exemption	$41,820 Land $8,800 Building $33,020	$125,460 Land $26,400 Building $99,060

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 5877 Dover Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 Claims	1 (1979)
Most Recent Claim	Apr 1979 · 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 5877 Dover 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	IL AMERICAN-COVENTRY HILL private · serves 608 people · EPA ID IL2015150
Water Source	Groundwater
Last State Inspection	Nov 2025
Also Mapped Here	ROCKFORD
Lead	7 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Dover Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures