823 28th St, Rockford, IL 61108 Property Records

Winnebago County property record for 823 28th St, Rockford, IL 61108

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,711 sqft · built 1957
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$112,500 (Aug 2007)
Tax Bill	$3,269 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`174D061`

Property Details

APN / Parcel Number

Primary APN	`174D061`
Alternative APN	`1230402022`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,711 sqft Living Area
Gross Area	2,183 sqft
1st Floor Area	682 sqft
Basement Area	682 sqft
Finished Basement	210 sqft
Unfinished Basement	472 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
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	400 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	823 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 030
Legal Subdivision	2ND TWIN SISTER HGTS SUB
Legal Lot Number	030
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 15, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	823 28TH ST, ROCKFORD, IL 61108-3651
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 20, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2007 · Amount on Record
Deed Sale	Aug 10, 2007 · Amount on Record
Deed Document Number	2007754454
Last Transfer Date	Aug 13, 2021
Transfer Doc	0000029593
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 30, 2026
Property Address	823 28TH ST, ROCKFORD, IL 61108-3651
Document Number	0000026166
Instrument Date	Sep 25, 2026
Instrument	202626166
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 28TH ST, ROCKFORD, IL 61108-3651

Mortgage

Document Number	0000026166,
Date	Sep 30, 2026
Instrument	202626166

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate
Rate	10.2%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 20, 2021
Property Address	823 28TH ST, ROCKFORD, IL 61108-3651
Document Number	0000029593
Map Reference	PB 20 PG 9
Instrument Date	Aug 13, 2021
Instrument	2129593
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	VYLLA TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	823 28TH ST, ROCKFORD, IL 61108-3651

Mortgage

Document Number	0000029594
Date	Aug 20, 2021
Instrument	2129594

Lender

Name	NATIONSTAR MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3%

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	$3,269.00	$43,033 (+41.39%) Land $5,509 Building $37,524	$129,099 (+41.39%) Land $16,527 Building $112,572
2022	Homeowner's exemption	$30,436 Land $3,896 Building $26,540	$91,308 Land $11,688 Building $79,620

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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