306 Grove St, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 306 Grove St, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,680 sqft · built 1900
Lot Size	0.236 acres (10,279 sqft)
Owner	2 Individual Names on Record
Last Sale	$79,000 (Jul 2016)
Tax Bill	$2,961 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`253B129`

Property Details

APN / Parcel Number

Primary APN	`253B129`
Alternative APN	`1601129005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,680 sqft Living Area
1st Floor Area	1,018 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	10,279 sqft (0.236 acres)
Driveway	Driveway
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	253B129
Street Address	306 GROVE ST
City	CHERRY VALLEY
State	IL
Zip	61016-9484
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - SINGL
Legal Description	FITCHS 2ND ADD TO CHERRY VALLEY LOT 006 BLOCK 030
Legal Subdivision	FITCHS 2ND ADD
Legal Block	030
Legal Lot Number	006
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	2
Census Block	2001
Census Tract	3705

Owner

Source: Winnebago County records, as of September 3, 2026

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 Record
Mailing Address	306 GROVE ST, CHERRY VALLEY, IL 61016-9484
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage MEMBERSALLIANCE CREDIT UNION
Jun 18, 2020	Deed of Trust, Mortgage · Conventional with PMI MIDWEST CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2016 · Amount on Record
Deed Sale	Jul 5, 2016 · Amount on Record
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 20, 2026
Property Address	306 GROVE ST, CHERRY VALLEY, IL 61016-9484
Document Number	0000021844
Instrument Date	Aug 7, 2026
Instrument	202621844
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	306 GROVE ST, CHERRY VALLEY, IL 61016-9484

Mortgage

Document Number	0000021844,
Date	Aug 20, 2026
Instrument	202621844

Lender

Name	MEMBERSALLIANCE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 10, 2036

Interest

Rate Type	Fixed Rate
Rate	6.5%
Initial Type	Fixed Rate
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	306 GROVE ST, CHERRY VALLEY, IL 61016-9484
Document Number	0001016788
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 15, 2020
Title Company	MAGNUS TITLE AGENCY, MTA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	306 GROVE ST CHERRY VALLEY IL 610169484, CHERRY VALLEY, IL 61016-9484

Mortgage

Document Number	0001016788
Date	Jun 25, 2020
Instrument	1016788

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	FREEPORT, IL 61032

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of July 28, 2026

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,961.00	$47,191 (+33.03%) Land $11,484 Building $35,707	$141,573 (+33.03%) Land $34,452 Building $107,121
2022	Homeowner's exemption	$35,474 Land $6,982 Building $28,492	$106,422 Land $20,946 Building $85,476

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 97% of the US · lower than 79% 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.

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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