6538 Commonwealth Dr, Loves Park, IL 61111 Property Records

Winnebago County property record for 6538 Commonwealth Dr, Loves Park, IL 61111

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,060 sqft · built 2004
Lot Size	4.51 acres (196,456 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Mar 2026)
Tax Bill	$3,094 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Oct 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`1203208004`

Property Details

APN / Parcel Number

Primary APN	`1203208004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,060 sqft Living Area
Gross Area	1,340 sqft
1st Floor Area	959 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Pier/Post & Beam
Roof Material	Asphalt
Lot Area	196,456 sqft
Garage Type	Attached
Garage Area	280 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	107 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	6538 COMMONWEALTH DR
City	LOVES PARK
State	IL
Zip	61111-8608
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R3
Legal Description	CARRIAGE HOMES OF PARK HILLS VI CONDOPT N 1/2 SEC 3-44-2 UNIT 12-6538
Legal Range	2
Legal Township	44
Legal Section	3
Legal Subdivision	CARRIAGE HOMES OF PARK HILLS VI CONDO
Legal Lot Number	12-65
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	3
Census Block	3027
Census Tract	3810

Owner

6538 Commonwealth Dr, a condominium, is owned and occupied by an individual who bought it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	6538 COMMONWEALTH DR, LOVES PARK, IL 61111-8608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Mar 2, 2026	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS INC
Oct 25, 2021	Warranty Deed, Transfer LAKESHORE TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2026 · Amount on File
Deed Sale	Mar 2, 2026 · Amount on File
Prior Sale	Oct 25, 2021 · Amount on File
Deed Document Number	20265115
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Mar 2, 2026
Property Address	6538 COMMONWEALTH DR, LOVES PARK, IL 61111-8608
Document Number	0000005115
Map Reference	PB 44 PG 29A
Instrument Date	Feb 25, 2026
Instrument	2605115
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	MAGNUS TITLE AGENCY, MTA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
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	6538 COMMONWEALTH DR, LOVES PARK, IL 61111-8608

Mortgage

Document Number	0000005116
Date	Mar 2, 2026
Instrument	2605116

Lender

Name	NEIGHBORHOOD LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.5%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Oct 25, 2021
Property Address	6538 COMMONWEALTH DR # 12-6538, 12-6538, LOVES PARK, IL 61111-8608
Document Number	0000038317
Map Reference	PB 44 PG 29A
Instrument Date	Oct 19, 2021
Instrument	2138317
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	LAKESHORE TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$172.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6538 COMMONWEALTH DR, LOVES PARK, IL 61111-8608

Tax Assessment & Valuation

The 2025 property tax bill for 6538 Commonwealth Dr was $3,094, up 4.7% 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	Loves Park City
Unified School District	Rockford School District 205 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,094.00 (+4.7%)	$44,109 (+11.43%) Land $4,915 Building $39,194	$132,327 (+11.43%) Land $14,745 Building $117,582
2024	$2,955.00	$39,585 Land $4,411 Building $35,174	$118,755 Land $13,233 Building $105,522
2022		$31,198 Land $3,476 Building $27,722	$93,594 Land $10,428 Building $83,166

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 6538 Commonwealth 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

Wildfire risk around 6538 Commonwealth 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 98% of the US · lower than 86% 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	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 188 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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