Winnebago County property record for 2109 Lancaster Rd, Cherry Valley, IL 61016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,120 sqft · built 1969 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $158,000 (Nov 2020) |
| Tax Bill | $4,411 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 179D093 |
| Primary APN | 179D093 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,120 sqft Living Area |
| Gross Area | 3,120 sqft |
| 1st Floor Area | 1,320 sqft |
| Basement Area | 1,320 sqft |
| Finished Basement | 800 sqft |
| Unfinished Basement | 520 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 21,344 sqft (0.49 acres) |
| Lot Dimensions | 190 ft deep x 134 ft wide |
| Terrain | High |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Driveway | Driveway |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Deck Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2109 LANCASTER RD |
|---|---|
| City | CHERRY VALLEY |
| State | IL |
| Zip | 61016-9437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | CHERRY CREST SUB NO 4 W1/2 SE1/4 SEC 35-44-2 LT LOT 042 |
| Legal Range | 2 |
| Legal Township | 44 |
| Legal Section | 35 |
| Legal Subdivision | CHERRY CREST SUB NO 4 |
| Legal Lot Number | 042 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | ROCKFORD |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 514 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2109 LANCASTER RD, CHERRY VALLEY, IL 61016-9437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 12, 2020 | Warranty Deed, Transfer · Conventional with PMI BLACKHAWK BK |
| Jun 13, 2020 | Deed of Trust, Mortgage BENTON ST BK |
| Aug 12, 2019 | Deed of Trust, Mortgage · Line of Credit TENNYSON-POTOSI COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 12, 2020 · Amount on Record |
| Deed Sale | Nov 12, 2020 · Amount on Record |
| Prior Sale | Jul 21, 2015 · Amount on Record |
| Deed Document Number | 20201034784 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Nov 12, 2020 |
| Property Address | 2109 LANCASTER RD, CHERRY VALLEY, IL 61016-9437 |
| Document Number | 0001034784 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 1034784 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2020 |
| Title Company | LAKESHORE TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $237.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2109 LANCASTER RD CHERRY VALLEY IL 610169437, CHERRY VALLEY, IL 61016-9437 |
| Document Number | 1034785 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 1034785 |
| Name | BLACKHAWK BK |
|---|---|
| Type | Bank |
| Address | BELOIT, WI 53511 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 11, 2050 |
| Document Number | 1034786, |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 1034786 |
| Name | ILLINOIS HSNG DEV AUTHORITY |
|---|---|
| Address | CHICAGO, IL 60601 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 2109 LANCASTER RD, CHERRY VALLEY, IL 61016-9437 |
| Document Number | 0001015994 |
| Instrument Date | Jun 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2109 LANCASTER RD CHERRY VALLEY IL 610169437, CHERRY VALLEY, IL 61016-9437 |
| Document Number | 0001015994 |
|---|---|
| Date | Jun 18, 2020 |
| Instrument | 1015994 |
| Name | BENTON ST BK |
|---|---|
| Type | Bank |
| Address | BENTON, WI 53803 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jun 17, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 2109 LANCASTER RD, CHERRY VALLEY, IL 61016-9437 |
| Document Number | 0001028236 |
| Instrument Date | Aug 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2109 LANCASTER RD CHERRY VALLEY IL 610169437, CHERRY VALLEY, IL 61016-9437 |
| Document Number | 0001028236 |
|---|---|
| Date | Aug 22, 2019 |
| Instrument | 1028236 |
| Name | TENNYSON-POTOSI COMMUNITY BANK |
|---|---|
| Address | 338 US HIGHWAY 61 S, POTOSI, WI 53820-9306 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 21, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.38% |
Source: Winnebago County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Winnebago County |
| County Subdivision | Rockford Township |
| Unified School District | Rockford School District 205 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,411.00 | $63,064 (+41.39%) Land $7,353 Building $55,711 | $189,192 (+41.39%) Land $22,059 Building $167,133 |
| 2022 | Homeowner's exemption | $44,604 Land $5,201 Building $39,403 | $133,812 Land $15,603 Building $118,209 |
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.
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 | 1 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2017 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% 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 87 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 |
| AT&T Fixed Wireless | 100 / 20 |
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