2304 Mill Rd, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 2304 Mill Rd, Cherry Valley, IL 61016

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,260 sqft · built 1940
Lot Size	5.42 acres (236,095 sqft)
Owner	2 Individual Names on File
Last Sale	$168,000 (Jan 2019)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-36-376-002`

Property Details

APN / Parcel Number

Primary APN	`12-36-376-002`
Alternative APN	`180 503`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,260 sqft Living Area
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	236,095 sqft (5.42 acres)
Garage Type	Attached
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	96 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Water Source	Well

Location & Zoning

Old Parcel Number	180 503
Street Address	2304 MILL RD
City	CHERRY VALLEY
State	IL
Zip	61016-9316
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AGRICULTURAL
Legal Description	EXC N 151 FT W 577.20 FT ALL IRR TR 464 FT ON W LINE SPT LOT 8 + EXC SW PT EXC 2.95 A TO LEONARD ALL LOT 10 PT SE1/4 SW 1/4
Legal Range	02
Legal Township	44
Legal Section	36
Legal Tract	464
Legal Block	36
Legal Lot Number	8,10
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROCKFORD
Census Block Group	3
Census Block	3027
Census Tract	514

Owner

Source: Winnebago County records · APN 12-36-376-002

Assessment roll updated January 1, 2022 · Last verified May 2024

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

Owner of Record	2 Individual Names on File
Mailing Address	2304 MILL RD, CHERRY VALLEY, IL 61016-9316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
Jan 22, 2019	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MTG
May 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 22, 2019 · Amount on Record
Deed Sale	Jan 22, 2019 · Amount on Record
Prior Sale	May 30, 2017
Deed Document Number	1901785
Record Updated	Jun 07, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	2304 MILL RD, CHERRY VALLEY, IL 61016-9316
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037007
Date	Oct 15, 2021
Instrument	2137007

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2051

Interest

Rate Type	Fixed Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jan 22, 2019
Property Address	2304 MILL RD, CHERRY VALLEY, IL 61016-9316
Document Number	0001001785
Instrument Date	Jan 18, 2019
Instrument	1001785
Transaction Type	Transfer
Record Updated	Feb 27, 2019
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$252.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2304 MILL RD CHERRY VALLEY IL 610169316, CHERRY VALLEY, IL 61016-9316

Mortgage

Document Number	1001786
Date	Jan 22, 2019
Instrument	1001786

Lender

Name	FINANCE OF AMERICA MTG
Address	BORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2049

Interest

Rate	5.62%

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	May 30, 2017
Property Address	2304 MILL RD, CHERRY VALLEY, IL 61016-9316
Document Number	0001016239
Instrument Date	May 24, 2017
Instrument	1016239
Transaction Type	Transfer
Record Updated	Jun 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1532 WHEELER RD KIRKLAND IL 601468225, KIRKLAND, IL 60146-8225

Tax Assessment & Valuation

Source: Winnebago County records · Assessment roll updated January 1, 2022 · Last verified May 2024

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Rockford Township
Unified School District	Rockford School District 205 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$48,035 Land $19,028 Building $29,007	$144,105 Land $57,084 Building $87,021

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 12, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire

Wildfire Risk	Low lower than 93% of the US · above 42% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 26 locations within half a mile of this property.

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