12166 Cunningham Rd, Winnebago, IL 61088 Property Records

Winnebago County property record for 12166 Cunningham Rd, Winnebago, IL 61088

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 3,712 sqft · built 1976
Lot Size	5.43 acres (236,966 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (May 2023)
Tax Bill	$7,462 (2025)
Deeds & Mortgages	Dec 2022 Mortgage May 2023 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`14-18-100-001`

Property Details

APN / Parcel Number

Primary APN	`14-18-100-001`
Alternative APNs	`1418100004` `522 251`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,712 sqft Gross Area
1st Floor Area	1,800 sqft
Basement Area	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Construction Type	Brick
Lot Area	236,966 sqft
Garage Type	Detached
Garage Area	696 sqft
Driveway	Driveway
Driveway Area	340 sqft
Deck Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	12166 CUNNINGHAM RD
City	WINNEBAGO
State	IL
Zip	61088-8523
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AG
Legal Description	COMM NW COR NW1/4 SEC 18-26-11 TH E 1914.48 FT TO POB TH S 39.8 FT SW 237.61FT SW 151.31 FT S 406.55 FT SW 133.16FT W 38.63 FT NW 547.28 FT N APPROX 2
Jurisdiction	WINNEBAGO IL

Owner

12166 Cunningham Rd, a rural home, is owned and occupied by two individuals who bought it in May 2023.

Source: Winnebago County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12166 CUNNINGHAM RD, WINNEBAGO, IL 61088-8523
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage US DEPARTMENT OF AGRICULTURE
May 12, 2023	Deed, Transfer TULSA ABSTRACT AND TITLE COMPANY, TUA
Dec 5, 2022	Deed, Transfer · Line of Credit STATE BANK
Dec 5, 2022	Deed, Transfer · Commercial Mortgage STATE BANK
Dec 5, 2022	Deed, Transfer · Line of Credit STATE BANK
Dec 27, 2022	Deed, Transfer TULSA ABSTRACT AND TITLE COMPANY, TUA
Mar 30, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2023 · Amount on File
Deed Sale	May 12, 2023 · Amount on File
Prior Sale	Dec 5, 2022 · Amount on File
Deed Document Number	202310264
Prior Transfer Date	Oct 28, 2022
Prior Transfer Doc	0000036220
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	12166 CUNNINGHAM RD, WINNEBAGO, IL 61088-8523
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	TULSA ABSTRACT AND TITLE COMPANY, TUA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036229
Date	Dec 5, 2022
Instrument	2236229

Lender

Name	US DEPARTMENT OF AGRICULTURE
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Dec 1, 2062

Interest

Rate Type	Fixed Rate

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	May 12, 2023
Property Address	12166 CUNNINGHAM RD, WINNEBAGO, IL 61088-8523
Document Number	0000010264
Instrument Date	May 9, 2023
Instrument	2310264
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	TULSA ABSTRACT AND TITLE COMPANY, TUA

Transaction

Amount	Amount on Record
Tax	$450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12166 CUNNINGHAM RD, WINNEBAGO, IL 61088-8523

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 5, 2022
Property Address	12166 CUNNINGHAM RD, WINNEBAGO, IL 61088-8523
Document Number	0000036227
Instrument Date	Oct 28, 2022
Instrument	2236227
Transaction Type	Transfer
Record Updated	Jan 18, 2023
Title Company	TUA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,004.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	504 DORI CT, PECATONICA, IL 61063-9584

Mortgage

Document Number	0000036228
Date	Dec 5, 2022
Instrument	2236228

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 1, 2027

Interest

Rate Type	Fixed Rate
Rate	6.5%

Mortgage

Document Number	0000036229
Date	Dec 5, 2022
Instrument	2236229

Lender

Name	US DEPARTMENT OF AGRICULTURE
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Dec 1, 2062

Interest

Rate Type	Fixed Rate

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 5, 2022
Property Address	12166 CUNNINGHAM RD, WINNEBAGO, IL 61088-8523
Document Number	0000036225
Instrument Date	Oct 28, 2022
Instrument	2236225
Transaction Type	Transfer
Record Updated	Jan 18, 2023
Title Company	TUA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 W 11TH ST, PECATONICA, IL 61063-9107

Mortgage

Document Number	0000036226
Date	Dec 5, 2022
Instrument	2236226

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 1, 2027

Interest

Rate Type	Fixed Rate
Rate	6.5%

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 5, 2022
Property Address	12166 CUNNINGHAM RD, WINNEBAGO, IL 61088-8523
Document Number	0000036220
Instrument Date	Oct 28, 2022
Instrument	2236220
Transaction Type	Transfer
Record Updated	Jan 18, 2023
Title Company	TULSA ABSTRACT AND TITLE COMPANY, TUA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,036.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 W 11TH ST, PECATONICA, IL 61063-9107

Mortgage

Document Number	0000036221
Date	Dec 5, 2022
Instrument	2236221

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 1, 2027

Interest

Rate Type	Fixed Rate
Rate	6.5%

Mortgage

Document Number	0000036222
Date	Dec 5, 2022
Instrument	2236222

Lender

Name	US DEPARTMENT OF AGRICULTURE
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Dec 1, 2062

Interest

Rate Type	Fixed Rate
Rate	2.5%

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 27, 2022
Property Address	12166 CUNNINGHAM RD, WINNEBAGO, IL 61088-8523
Document Number	0000037959
Instrument Date	Oct 28, 2022
Instrument	2237959
Transaction Type	Transfer
Record Updated	Jan 18, 2023
Title Company	TULSA ABSTRACT AND TITLE COMPANY, TUA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 W 11TH ST, PECATONICA, IL 61063-9107

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Mar 30, 2022
Property Address	12166 CUNNINGHAM RD, WINNEBAGO, IL 61088-8523
Document Number	0000001004
Map Reference	BK373 PG 143
Instrument Date	Mar 17, 2022
Instrument	2201004
Transaction Type	Transfer
Record Updated	Jan 18, 2023

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
Address	13884 CASSIDY DR, ROCKTON, IL 61072-1618

Tax Assessment & Valuation

The 2025 property tax bill for 12166 Cunningham Rd was $7,462, down 15.5% from the year before.

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	$7,462.00 (-15.49%)	$111,060 (-7.33%) Land $22,212 Building $88,848	$333,180 (-7.33%) Land $66,636 Building $266,544
2024	$8,830.00	$119,848 Land $33,721 Building $86,127	$359,544 Land $101,163 Building $258,381
2022		$168,664 Land $61,883 Building $106,781	$505,992 Land $185,649 Building $320,343

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

FEMA maps place 12166 Cunningham Rd in Zone X, an area of minimal flood risk.

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

The area around 12166 Cunningham Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AaroBand Fixed Wireless	100 / 50
Rise Broadband Fixed Wireless	50 / 10
AT&T Fixed Wireless	25 / 3

May also be available: T-Mobile.

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