Winnebago County property record for 822 River Ln, Loves Park, IL 61111
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 936 sqft · built 1962 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Jul 2023) |
| Tax Bill | $1,751 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150C212 |
| Primary APN | 150C212 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| Gross Area | 1,872 sqft |
| 1st Floor Area | 936 sqft |
| Basement Area | 936 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 135 ft deep x 49 ft wide |
| View / Lot | Traffic |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 822 RIVER LN |
|---|---|
| City | LOVES PARK |
| State | IL |
| Zip | 61111-5151 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BURCHFIELD GARDENS IN S 1/2 SEC 6-44-2LOT 013 BLOCK 012 |
| Legal Range | 2 |
| Legal Township | 44 |
| Legal Section | 6 |
| Legal Subdivision | BURCHFIELD GARDENS |
| Legal Block | 012 |
| Legal Lot Number | 13 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | ROCKFORD |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 300 |
822 River Ln is owned and occupied by two individuals who bought it in July 2023.
Source: Winnebago County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 822 RIVER LN, LOVES PARK, IL 61111-5151 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP |
| Apr 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Oct 3, 2018 | Warranty Deed, Transfer · Conventional Mortgage ILLINOIS HSNG DEV AUTHORITY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2023 · Amount on File |
| Deed Sale | Jul 31, 2023 · Amount on File |
| Prior Sale | Oct 3, 2018 · Amount on File |
| Deed Document Number | 202317158 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Jul 31, 2023 |
| Property Address | 822 RIVER LN, LOVES PARK, IL 61111-5151 |
| Document Number | 0000017158 |
| Map Reference | BK16 PG2 |
| Instrument Date | Jul 27, 2023 |
| Instrument | 2317158 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2023 |
| Title Company | TULSA ABSTRACT AND TITLE COMPANY, TUA |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 822 RIVER LN, LOVES PARK, IL 61111-5151 |
| Document Number | 0000017159 |
|---|---|
| Date | Jul 31, 2023 |
| Instrument | 2317159 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.5% |
| Document Number | 0000017160 |
|---|---|
| Date | Jul 31, 2023 |
| Instrument | 2317160 |
| Name | ILLINOIS HOUSING DEV AUTHORITY |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 822 RIVER LN, LOVES PARK, IL 61111-5151 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000013719 |
|---|---|
| Date | Apr 29, 2022 |
| Instrument | 2213719 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Oct 3, 2018 |
| Property Address | 822 RIVER LN, LOVES PARK, IL 61111-5151 |
| Document Number | 0001028688 |
| Instrument Date | Sep 20, 2018 |
| Instrument | 1028688 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2018 |
| Title Company | MAGNUS TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $112.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 822 RIVER LN LOVES PARK IL 611115151, LOVES PARK, IL 61111-5151 |
| Document Number | 1028690 |
|---|---|
| Date | Oct 3, 2018 |
| Instrument | 1028690 |
| Name | ILLINOIS HSNG DEV AUTHORITY |
|---|---|
| Address | CHICAGO, IL 60601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 1028689, |
|---|---|
| Date | Oct 3, 2018 |
| Instrument | 1028689 |
| Name | MIDLAND STATES BK |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 2, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.37% |
The 2025 property tax bill for 822 River Ln was $1,751.
Source: Winnebago County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,751.00 | $36,601 Land $4,709 Building $31,892 | $109,803 Land $14,127 Building $95,676 |
| 2022 | Homeowner's exemption | $28,584 Land $3,330 Building $25,254 | $85,752 Land $9,990 Building $75,762 |
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.
FEMA maps place 822 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.
The area around 822 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.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures