712 28th St, Rockford, IL 61108 Property Records

Winnebago County property record for 712 28th St, Rockford, IL 61108

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,282 sqft · built 1950
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Sep 2022)
Tax Bill	$4,417 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2018 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`174D014`

Property Details

APN / Parcel Number

Primary APN	`174D014`
Alternative APN	`1230403003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,282 sqft Living Area
Gross Area	2,424 sqft
1st Floor Area	1,142 sqft
Basement Area	1,142 sqft
Game Room	Game Room
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	158 ft deep x 100 ft wide
Terrain	High
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	712 28TH ST
City	ROCKFORD
State	IL
Zip	61108-3650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1ST TWIN SISTER HGTS SUB PT SE1/4 SEC30-44-2 E OF 3RD P M LTS 14 + 015
Legal Subdivision	1ST TWIN SISTER HGTS SUB
Legal Lot Number	14
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	6
Census Block	6010
Census Tract	1500

Owner

712 28th St is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	712 28TH ST, ROCKFORD, IL 61108-3650
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Sep 27, 2022	Warranty Deed, Transfer · FHA Mortgage BMO HARRIS BANK NA
Oct 3, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2022 · Amount on File
Deed Sale	Sep 27, 2022 · Amount on File
Prior Sale	Dec 26, 2018 · Amount on File
Deed Document Number	202229757
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 27, 2022
Property Address	712 28TH ST, ROCKFORD, IL 61108-3650
Document Number	0000029757
Map Reference	BK20 PG17
Instrument Date	Aug 17, 2022
Instrument	2229757
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
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	712 28TH ST, ROCKFORD, IL 61108-3650

Mortgage

Document Number	0000029758
Date	Sep 27, 2022
Instrument	2229758

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0000029759
Date	Sep 27, 2022
Instrument	2229759

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 1, 2032

Interest

Rate Type	Fixed Rate

October 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Oct 3, 2018
Property Address	712 28TH ST, ROCKFORD, IL 61108-3650
Document Number	0001028795
Instrument Date	Jul 28, 2014
Instrument	1028795
Transaction Type	Foreclosure
Record Updated	Nov 15, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 712 28th St was $4,417.

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	$4,417.00	$50,035 Land $11,584 Building $38,451	$150,105 Land $34,752 Building $115,353
2022	Homeowner's exemption	$37,519 Land $8,193 Building $29,326	$112,557 Land $24,579 Building $87,978

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 712 28th St in Zone X, an area of minimal flood risk, though there have been 20 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	20 (1978–2024)
Claims Outside the SFHA	5 of 20
Most Recent Claim	Jul 2024 · Severe Storms, Tornadoes, Straight-line Winds, And Floodng
Claims by Event	Severe Storms And Flooding, Aug 2007 · 6 claims

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 712 28th St 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 669 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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