815 28th St, Rockford, IL 61108 Property Records

Winnebago County property record for 815 28th St, Rockford, IL 61108

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 924 sqft · built 1948
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$112,000 (Sep 2026)
Tax Bill	$1,926 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Feb 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`174D063`

Property Details

APN / Parcel Number

Primary APN	`174D063`
Alternative APN	`1230402020`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	924 sqft Living Area
Gross Area	1,782 sqft
1st Floor Area	858 sqft
Basement Area	858 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	139 ft deep x 50 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	294 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	174D063
Street Address	815 28TH ST
City	ROCKFORD
State	IL
Zip	61108-3651
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	2ND TWIN SISTER HGTS SUB PT SE1/4 SEC30-44-2 E OF 3RD P M LOT 032
Legal Subdivision	2ND TWIN SISTER HGTS SUB
Legal Lot Number	032
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	6
Census Block	6009
Census Tract	1500

Owner

Source: Winnebago County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	815 28TH ST, ROCKFORD, IL 61108-3651
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Feb 13, 2026	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 13, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2026 · Amount on Record
Deed Sale	Sep 17, 2026 · Amount on Record
Deed Document Number	202624718
Prior Transfer Date	Feb 9, 2026
Prior Transfer Doc	0000003801
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 17, 2026
Property Address	815 28TH ST, ROCKFORD, IL 61108-3651
Document Number	0000024718
Instrument Date	Sep 14, 2026
Instrument	202624718
Transaction Type	Transfer
Record Updated	Oct 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$16,968.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 28TH ST, ROCKFORD, IL 61108-3651

Mortgage

Document Number	0000024719,
Date	Sep 17, 2026
Instrument	202624719

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.38%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000024720,
Date	Sep 17, 2026
Instrument	202624720

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2036

Interest

Max Rate	-1%

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Feb 13, 2026
Property Address	815 28TH ST, ROCKFORD, IL 61108-3651
Document Number	0000003802
Map Reference	PB 20 PG 9
Instrument Date	Feb 9, 2026
Instrument	2603802
Transaction Type	Transfer
Record Updated	Mar 11, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	507 VALE AVE N, ROCKFORD, IL 61107-4653

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 VALE AVE N, ROCKFORD, IL 61107-4653

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINNEBAGO IL
Recording Date	Feb 13, 2026
Property Address	815 28TH ST, ROCKFORD, IL 61108-3651
Document Number	0000003801
Map Reference	PB 20 PG 9
Instrument Date	Feb 9, 2026
Instrument	2603801
Transaction Type	Transfer
Record Updated	Mar 11, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	507 VALE AVE N, ROCKFORD, IL 61107-4653

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 VALE AVE N, ROCKFORD, IL 61107-4653

Tax Assessment & Valuation

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	$1,926.00 (+10.18%)	$32,823 (+11.43%) Land $5,509 Building $27,314	$98,469 (+11.43%) Land $16,527 Building $81,942
2024	$1,748.00 Homeowner's exemption Senior Citizen's exemption	$29,456 (+26.88%) Land $4,944 Building $24,512	$88,368 (+26.88%) Land $14,832 Building $73,536
2022	Homeowner's exemption	$23,215 Land $3,896 Building $19,319	$69,645 Land $11,688 Building $57,957

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

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

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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