11435 Cunningham Rd, Winnebago, IL 61088 Property Records

Winnebago County property record for 11435 Cunningham Rd, Winnebago, IL 61088

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 3,982 sqft · built 2003
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Company Names on Record
Tax Bill	$7,947 (2025)
Deeds & Mortgages	Feb 2026 Transfer Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`512C010A`

Property Details

APN / Parcel Number

Primary APN	`512C010A`
Alternative APN	`1408351004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,982 sqft Living Area
1st Floor Area	1,991 sqft
Basement Area	1,991 sqft
Finished Basement	1,991 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick
Lot Area	108,900 sqft
Garage Area	812 sqft
Driveway	Driveway
Deck Area	518 sqft
Pole Barn	2,560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	512C010A
Street Address	11435 CUNNINGHAM RD
City	WINNEBAGO
State	IL
Zip	61088-8530
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AG
Legal Description	S 310 FT W 528 FT (EXC S 205 FT W 264FT) SW1/4 SW1/4 SEC 8-26-11 2.5A
Legal Range	11
Legal Township	26
Legal Section	8
Jurisdiction	WINNEBAGO IL
Township / Civil Division	WINNEBAGO
Census Block Group	2
Census Block	2006
Census Tract	4200

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 Record	2 Company Names on Record
Mailing Address	11435 CUNNINGHAM RD, WINNEBAGO, IL 61088-8530
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jun 4, 2020	Deed of Trust, Mortgage · Conventional with PMI HOLCOMB BK
Jan 29, 2018	Deed of Trust, Mortgage · Line of Credit ALPINE BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 25, 2026
Transfer Doc	0000004891
Record Updated	Sep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINNEBAGO IL
Recording Date	Feb 27, 2026
Property Address	11435 CUNNINGHAM RD, WINNEBAGO, IL 61088-8530
Document Number	0000004891
Instrument Date	Feb 25, 2026
Instrument	2604891
Transaction Type	Transfer
Record Updated	Mar 25, 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	11435 CUNNINGHAM RD, WINNEBAGO, IL 61088-8530

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11435 CUNNINGHAM RD, WINNEBAGO, IL 61088-8530

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	11435 CUNNINGHAM RD, WINNEBAGO, IL 61088-8530
Document Number	0001016462
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11435 CUNNINGHAM RD WINNEBAGO IL 610888530, WINNEBAGO, IL 61088-8530

Mortgage

Document Number	0001016462
Date	Jun 22, 2020
Instrument	1016462

Lender

Name	HOLCOMB BK
Address	ROCHELLE, IL 61068-0355

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jun 21, 2035

Interest

Rate	2.75%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	11435 CUNNINGHAM RD, WINNEBAGO, IL 61088-8530
Document Number	0001005705
Instrument Date	Jan 29, 2018
Transaction Type	Mortgage
Record Updated	Mar 30, 2018
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11435 CUNNINGHAM RD WINNEBAGO IL 610888530, WINNEBAGO, IL 61088-8530

Mortgage

Document Number	0001005705
Date	Mar 1, 2018
Instrument	1005705

Lender

Name	ALPINE BK&TR
Type	Bank
Address	ROCKFORD, IL 61107

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Winnebago Township
Unified School District	Winnebago Community Unit School District 323 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,947.00	$112,561 (+31.48%) Land $7,673 Building $104,888	$337,683 (+31.48%) Land $23,019 Building $314,664
2022	Homeowner's exemption	$85,608 Land $5,895 Building $79,713	$256,824 Land $17,685 Building $239,139

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 12, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AaroBand Fixed Wireless	100 / 50

May also be available: Silo Communications.

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