202 E State St, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 202 E State St, Cherry Valley, IL 61016

Property Summary

Property Type	Commercial
Details	2,914 sqft · built 1900
Lot Size	0.089 acres (3,920 sqft)
Owner	Company Name on Record
Deeds & Mortgages	Jan 2023 Mortgage Nov 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-01-132-004`

Property Details

APN / Parcel Number

Primary APN	`16-01-132-004`

Interior

Stories	1 Story
Building Area	2,914 sqft Total Area
1st Floor Area	2,914 sqft

Exterior

Year Built	Built 1900
Construction Type	Frame
Lot Area	3,920 sqft (0.089 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	202 E STATE ST
City	CHERRY VALLEY
State	IL
Zip	61016-7703
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	PLAT OF CHERRY VALLEY BEGN SW COR LT 2TH N94.75FT E 43.166FT S44.75FT W2.12FT S50FT TO S LN LT 2 TH W41 FT TO P OB PT LTS 2 +
Legal Subdivision	CHERRY VLY
Legal Block	4
Legal Lot Number	2T 3
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	2
Census Block	2004
Census Tract	3705

Owner

Source: Winnebago County records, as of May 13, 2024

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 469, CHERRY VALLEY, IL 61016-0469
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2023	Deed of Trust, Mortgage · Commercial Mortgage MIDLAND STATES BANK
Nov 4, 2020	Quit Claim Deed, Transfer · Line of Credit MIDLAND STATES BK
Feb 13, 2020	Loan Modification, Mortgage INGEO

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Aug 8, 2006 · Amount on Record
Last Transfer Date	Nov 4, 2020
Transfer Doc	0001033545
Record Updated	Jun 7, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	202 E STATE ST, CHERRY VALLEY, IL 61016-7703
Transaction Type	Mortgage
Record Updated	Jan 25, 2023
Title Company	LAKESHORE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000274
Date	Jan 5, 2023
Instrument	2300274

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 29, 2027

Interest

Rate Type	Fixed Rate
Rate	6.75%

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Nov 4, 2020
Property Address	202 E STATE ST, CHERRY VALLEY, IL 61016-7703
Document Number	0001033545
Instrument Date	Oct 27, 2020
Instrument	1033545
Transaction Type	Transfer
Record Updated	Nov 20, 2020
Title Company	METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE AGENCY INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 469 CHERRY VALLEY IL 610160469, CHERRY VALLEY, IL 61016-0469

Mortgage

Document Number	1033546
Date	Nov 4, 2020
Instrument	1033546

Lender

Name	MIDLAND STATES BK
Type	Bank
Address	BELVIDERE, IL 61008

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 3, 2025

Interest

Rate Type	Adjustable Rate
Rate	4.25%

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WINNEBAGO IL
Property Address	202 E STATE ST, CHERRY VALLEY, IL 61016-7703
Document Number	0001005200
Instrument Date	Feb 13, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2020
Title Company	INGEO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	120 E STATE ST CHERRY VALLEY IL 610167707, CHERRY VALLEY, IL 61016-7707

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of January 1, 2022

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2022	$46,617 Land $9,077 Building $37,540	$139,851 Land $27,231 Building $112,620

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 · 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	2 in force
Nearby Flood Claims	3 (1994–2007)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2007 · rainfall accumulation

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Surf Internet.

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