628 River Ln, Loves Park, IL 61111 Property Records

Winnebago County property record for 628 River Ln, Loves Park, IL 61111

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,015 sqft · built 1945
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$64,500 (Oct 2022)
Tax Bill	$2,501 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`150C173`

Property Details

APN / Parcel Number

Primary APN	`150C173`
Alternative APN	`1206358017`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,015 sqft Living Area
Gross Area	1,740 sqft
1st Floor Area	725 sqft
Basement Area	725 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	135 ft deep x 50 ft wide
View / Lot	Traffic
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	628 RIVER LN
City	LOVES PARK
State	IL
Zip	61111-5147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BURCHFIELD GARDENS IN S1/2 SEC 6-44-2LOT 012 BLOCK 010
Legal Range	2
Legal Township	44
Legal Section	6
Legal Subdivision	BURCHFIELD GARDENS
Legal Block	010
Legal Lot Number	12
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	1
Census Block	1026
Census Tract	300

Owner

628 River Ln is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	628 RIVER LN, LOVES PARK, IL 61111-5147
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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	Name on Deed
Last Sale	Oct 3, 2022 · Amount on File
Deed Sale	Oct 3, 2022 · Amount on File
Deed Document Number	202230361
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Oct 3, 2022
Property Address	628 RIVER LN, LOVES PARK, IL 61111-5147
Document Number	0000030361
Map Reference	BK16 PG2
Instrument Date	Sep 26, 2022
Instrument	2230361
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$96.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	334 BERRY CT, 334, VILLA RICA, GA 30180-7691

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 RIVER LN, LOVES PARK, IL 61111-5147

Mortgage

Document Number	0000030362
Date	Oct 3, 2022
Instrument	2230362

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.63%

Tax Assessment & Valuation

The 2025 property tax bill for 628 River Ln was $2,501 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Rockford Township
Municipality	Loves Park City
Unified School District	Harlem Unit School District 122 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,501.00	$37,198 Land $4,805 Building $32,393	$111,594 Land $14,415 Building $97,179
2022		$26,309 Land $3,398 Building $22,911	$78,927 Land $10,194 Building $68,733

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 628 River Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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	3 (1978–1981)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 1981 · tidal / storm surge

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 628 River Ln 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	LOVES PARK serves 23,335 people · EPA ID IL2010150
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20