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

Winnebago County property record for 304 E State St, Cherry Valley, IL 61016

Property Summary

Property Type	Commercial
Details	800 sqft · built 1926
Lot Size	0.039 acres (1,742 sqft)
Owner	Company Name on Record
Last Sale	$97,500 (Dec 2017)
Deeds & Mortgages	Dec 2017 Sale & Line of Credit Dec 2016 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-01-133-005`

Property Details

APN / Parcel Number

Primary APN	`16-01-133-005`
Alternative APN	`253B113B`

Interior

Stories	2 Stories
Building Area	800 sqft Total Area
1st Floor Area	400 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1926
Construction Type	Frame
Roof Material	Asphalt
Lot Area	1,742 sqft (0.039 acres)
Driveway	Driveway
Driveway Area	192 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Old Parcel Number	253B113B
Street Address	304 E STATE ST
City	CHERRY VALLEY
State	IL
Zip	61016-9294
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	CC
Legal Description	FITCHS ADD TO CHERRY VALLEY E 25 FT W56 FT S 66 FT LOT 9 BLOCK 28
Legal Township	02N
Legal Subdivision	FITCHS ADD
Legal Block	28
Legal Lot Number	9
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	2
Census Block	2005
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	4168 BARLEY RIDGE TRL, CHERRY VALLEY, IL 61016-9670
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2017	Warranty Deed, Transfer · Line of Credit ALPINE BK&TR
Dec 22, 2016	Deed of Trust, Mortgage · Line of Credit HARVARD ST BK
Dec 22, 2016	Deed of Trust, Mortgage · Line of Credit HARVARD ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2017 · Amount on Record
Deed Sale	Dec 6, 2017 · Amount on Record
Deed Document Number	1739358
Record Updated	Jun 7, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 6, 2017
Property Address	304 E STATE ST, CHERRY VALLEY, IL 61016-9294
Document Number	0001039358
Instrument Date	Oct 31, 2017
Instrument	1039358
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$97.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4168 BARLEY RIDGE TRL CHERRY VALLEY IL 610169670, CHERRY VALLEY, IL 61016-9670

Mortgage

Document Number	1039359
Date	Dec 6, 2017
Instrument	1039359

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Dec 5, 2022

Interest

Rate Type	Adjustable Rate
Rate	4.95%

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	304 E STATE ST, CHERRY VALLEY, IL 61016-9294
Document Number	0001001594
Instrument Date	Dec 22, 2016
Transaction Type	Mortgage
Record Updated	Jan 8, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 GENOA ST CHERRY VALLEY IL 610169413, CHERRY VALLEY, IL 61016-9413

Mortgage

Document Number	0001001594
Date	Jan 18, 2017
Instrument	1001594

Lender

Name	HARVARD ST BK
Type	Bank
Address	HARVARD, IL 60033-0040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 17, 2042

Interest

Rate Type	Adjustable Rate
Rate	3.75%

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	304 E STATE ST, CHERRY VALLEY, IL 61016-9294
Document Number	0001000582
Instrument Date	Dec 22, 2016
Transaction Type	Mortgage
Record Updated	Jan 25, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	425 GENOA ST CHERRY VALLEY IL 610169413, CHERRY VALLEY, IL 61016-9413

Mortgage

Document Number	0001000582
Date	Jan 6, 2017
Instrument	1000582

Lender

Name	HARVARD ST BK
Type	Bank
Address	HARVARD, IL 60033-0040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 5, 2042

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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	$25,836 Land $4,191 Building $21,645	$77,508 Land $12,573 Building $64,935

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

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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