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831 28th St, Rockford, IL 61108 Property Records

Winnebago County property record for 831 28th St, Rockford, IL 61108

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,062 sqft · built 1954
Lot Size0.18 acres (7,841 sqft)
Owner2 Individual Names on Record
Last Sale$73,000 (Jul 2020)
Tax Bill$2,916 (2025)
Deeds & MortgagesJul 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN174D059

Property Details

APN / Parcel Number

Primary APN174D059
Alternative APN
  • 1230402028

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area1,062 sqft Living Area
Gross Area2,124 sqft
1st Floor Area1,062 sqft
Basement Area1,062 sqft
Game RoomGame Room
FlooringWood
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1954
Effective Year BuiltEffective 1954
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Roof MaterialAsphalt
Lot Area7,841 sqft (0.18 acres)
Lot Dimensions204 ft deep x 52 ft wide
View / LotCorner
Garage TypeDetached
Garage Area294 sqft
DrivewayDriveway
Parking Spaces1 Parking Space
PorchPorch
Deck Area240 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address831 28TH ST
CityROCKFORD
StateIL
Zip61108-3651
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Description2ND TWIN SISTER HGTS SUB PT SE1/4 SEC30-44-2 E OF 3RD P M EXC N 50 FT ALL LOT 029
Legal Subdivision2ND TWIN SISTER HGTS SUB
Legal Lot Number029
JurisdictionWINNEBAGO IL
Township / Civil DivisionROCKFORD
Census Block Group6
Census Block6009
Census Tract1500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address831 28TH ST, ROCKFORD, IL 61108-3651
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 24, 2020 · Amount on Record
Deed SaleJul 24, 2020 · Amount on Record
Deed Document Number2020314
Record UpdatedOct 29, 2026

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINNEBAGO IL
Recording DateJul 24, 2020
Property Address831 28TH ST, ROCKFORD, IL 61108-3651
Document Number0001020314
Instrument DateJul 17, 2020
Instrument1020314
Transaction TypeTransfer
Record UpdatedAug 10, 2020
Title CompanyTITLE UNDERWRITERS AGENCY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$110.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address831 28TH ST ROCKFORD IL 611083651, ROCKFORD, IL 61108-3651

Mortgage

Document Number1020315
DateJul 24, 2020
Instrument1020315
Lender
NameACADEMY MTG
TypeMortgage Company
AddressDRAPER, UT 84020
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJul 23, 2050
Interest
Rate TypeFixed Rate
Rate3.75%

Mortgage

Document Number1020316,
DateJul 24, 2020
Instrument1020316
Lender
NameILLINOIS HSNG DEV AUTHORITY
AddressCHICAGO, IL 60601
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyWinnebago County
County SubdivisionRockford Township
MunicipalityRockford City
Unified School DistrictRockford School District 205 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,916.00$39,036 (+41.39%) Land $6,555 Building $32,481$117,108 (+41.39%) Land $19,665 Building $97,443
2022Homeowner's exemption$27,609 Land $4,636 Building $22,973$82,827 Land $13,908 Building $68,919

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies7 in force
Nearby Flood Claims20 (1978–2024)
Claims Outside the SFHA5 of 20
Most Recent ClaimJul 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 RiskNot 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 SystemROCKFORD
serves 147,051 people · EPA ID IL2010300
Water SourceGroundwater
Last State InspectionJan 2024
Lead10 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting9
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

ProviderMax 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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