Winnebago County property record for 305 Elgin St, Cherry Valley, IL 61016 · Last verified May 2024
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,260 sqft · built 1900 |
| Lot Size | 0.389 acres (16,988 sqft) |
| Owner | Individual Name on File |
| Last Sale | $137,000 (Jun 2023) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Jan 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-01-133-001 |
| Primary APN | 16-01-133-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 686 sqft |
| Basement Area | 1,260 sqft |
| Finished Basement | 686 sqft |
| Unfinished Basement | 574 sqft |
| Year Built | Built 1900 |
|---|---|
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 16,988 sqft (0.389 acres) |
| Heating System | Gas |
|---|
| Old Parcel Number | 253B107A |
|---|---|
| Street Address | 305 ELGIN ST |
| City | CHERRY VALLEY |
| State | IL |
| Zip | 61016-9001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FITCHS ADD TO CHERRY VALLEY ALL LOTS 1& 2 BLOCK 28 |
| Legal Township | 02N |
| Legal Subdivision | FITCHS ADD |
| Legal Block | 28 |
| Legal Lot Number | 1-2 2 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | CHERRY VALLEY |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 3705 |
Source: Winnebago County records · APN 16-01-133-001
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 | Individual Name on File |
|---|---|
| Mailing Address | 305 ELGIN ST, CHERRY VALLEY, IL 61016-9001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Jan 05, 2023 | Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK |
| May 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RESOURCE BANK NA |
| Aug 16, 2019 | Warranty Deed, Transfer METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE AGENCY INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 27, 2023 · Amount on Record |
| Deed Sale | Jun 27, 2023 · Amount on Record |
| Prior Sale | Jan 05, 2023 |
| Deed Document Number | 2314079 |
| Record Updated | Jun 07, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Jun 27, 2023 |
| Property Address | 305 ELGIN ST, CHERRY VALLEY, IL 61016-9001 |
| Document Number | 0000014079 |
| Map Reference | BK50 PG11 |
| Instrument Date | Jun 23, 2023 |
| Instrument | 2314079 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2023 |
| Title Company | MAGNUS TITLE AGENCY, MTA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $205.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 ELGIN ST, CHERRY VALLEY, IL 61016-9001 |
| Document Number | 0000014080 |
|---|---|
| Date | Jun 27, 2023 |
| Instrument | 2314080 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.45% |
| Document Type | Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Jan 05, 2023 |
| Property Address | 305 ELGIN ST, CHERRY VALLEY, IL 61016-9001 |
| Document Number | 0000000269 |
| Map Reference | BK U PG 69 |
| Instrument Date | Dec 29, 2022 |
| Instrument | 2300269 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2023 |
| Title Company | LAKESHORE TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1223 RUBY ST, BELVIDERE, IL 61008-2547 |
| Name | Verified Name |
|---|---|
| Address | 4168 BARLEY RIDGE TRL, CHERRY VALLEY, IL 61016-9670 |
| Document Number | 0000000270 |
|---|---|
| Date | Jan 05, 2023 |
| Instrument | 2300270 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Dec 29, 2027 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 305 ELGIN ST, CHERRY VALLEY, IL 61016-9001 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000016919 |
|---|---|
| Date | May 14, 2021 |
| Instrument | 2116919 |
| Name | RESOURCE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 15, 2031 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Aug 16, 2019 |
| Property Address | 305 ELGIN ST, CHERRY VALLEY, IL 61016-9001 |
| Document Number | 0001027532 |
| Instrument Date | Aug 15, 2019 |
| Instrument | 1027532 |
| Transaction Type | Transfer |
| Record Updated | Sep 04, 2019 |
| Title Company | METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $168.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 305 ELGIN ST CHERRY VALLEY IL 610169001, CHERRY VALLEY, IL 61016-9001 |
Source: Winnebago County records · Assessment roll updated January 1, 2022 · Last verified May 2024
| 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) |
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 | $32,829 Land $6,982 Building $25,847 | $98,487 Land $20,946 Building $77,541 |
Source: FEMA National Flood Hazard Layer, Winnebago County (17201C), updated July 12, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 172010037052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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 |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 213 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Surf Air Wireless. Availability varies by address; speeds are provider-advertised maximums, not measured.
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