Winnebago County property record for 104 Franklin St, Cherry Valley, IL 61016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,296 sqft · built 1960 |
| Lot Size | 0.749 acres (32,645 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $123,000 (Mar 2006) |
| Tax Bill | $3,145 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 253B072A |
| Primary APN | 253B072A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| 1st Floor Area | 1,296 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 32,645 sqft (0.749 acres) |
| Garage Area | 576 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 253B072A |
|---|---|
| Street Address | 104 FRANKLIN ST |
| City | CHERRY VALLEY |
| State | IL |
| Zip | 61016-9330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - SINGL |
| Legal Description | PLAT OF CHERRY VALLEY LOTS 4-5 & 006 BLOCK 014 |
| Legal Subdivision | PLAT OF CHERRY VALLEY |
| Legal Block | 014 |
| Legal Lot Number | 4-5 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | CHERRY VALLEY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 3705 |
104 Franklin St is owned and occupied by two individuals who bought it in March 2006.
Source: Winnebago County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 104 FRANKLIN ST, CHERRY VALLEY, IL 61016-9330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2006 · Amount on File |
| Deed Sale | Mar 31, 2006 · Amount on File |
| Deed Document Number | 2006619537 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 104 FRANKLIN ST, CHERRY VALLEY, IL 61016-9330 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018236 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 2118236 |
| Name | MEMBERSALLIANCE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2036 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 104 Franklin St was $3,145 with a homeowner's exemption.
Source: Winnebago County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Illinois |
| Municipality | Cherry Valley Village |
| County | Winnebago County |
| County Subdivision | Cherry Valley Township |
| Unified School District | Rockford School District 205 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,145.00 | $49,743 Land $17,227 Building $32,516 | $149,229 Land $51,681 Building $97,548 |
| 2022 | Homeowner's exemption | $34,609 Land $9,073 Building $25,536 | $103,827 Land $27,219 Building $76,608 |
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 104 Franklin St in Zone X, an area of minimal flood risk.
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 Policies | 3 in force |
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 risk around 104 Franklin St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | CHERRY VALLEY serves 4,731 people · EPA ID IL2010050 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Radium resolved · Jul 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Surf Internet, Verizon.
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