313 Genoa St, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 313 Genoa St, Cherry Valley, IL 61016

Property Summary

Property Type	Duplex
Details	2 bd · 4.5 ba · 5,344 sqft · built 1995
Lot Size	0.2 acres (8,693 sqft)
Owner	Individual Name on File
Last Sale	$319,000 (May 2026)
Tax Bill	$5,552 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`253B081B`

Property Details

APN / Parcel Number

Primary APN	`253B081B`
Alternative APN	`1601180015`

Interior

Bedrooms	2 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Units	5 Units
Stories	2 Stories
Building Area	5,344 sqft Living Area
1st Floor Area	1,736 sqft
Basement Area	936 sqft
Finished Basement	936 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Duplex Single
Construction Type	Frame
Lot Area	8,693 sqft (0.2 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	313 GENOA ST
City	CHERRY VALLEY
State	IL
Zip	61016-9106
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Description	FITCHS ADD TO CHERRY VALLEY MEAS 144.20 FT X 60.06 FT NELY 1/2 LOT 3 BLOCK 25
Legal Subdivision	FITCHS ADD
Legal Block	25
Legal Lot Number	3
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	3
Census Block	3001
Census Tract	3705

Owner

313 Genoa St, a duplex, is owned by an individual who bought it in May 2026.

Source: Winnebago County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	502 SPRING DR, MARENGO, IL 60152-3386
Owner Type	Individual
Vesting	Married Man, Separate Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Warranty Deed, Transfer · Conventional Mortgage MLD MORTGAGE INC
May 1, 2020	Deed of Trust, Mortgage BANK OF AMERICA
May 7, 2020	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2026 · Amount on File
Deed Sale	May 11, 2026 · Amount on File
Prior Sale	May 7, 2020 · Amount on File
Deed Document Number	202611548
Prior Transfer Date	May 1, 2020
Prior Transfer Doc	0001011827
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	May 11, 2026
Property Address	313 GENOA ST, CHERRY VALLEY, IL 61016-9106
Document Number	0000011548
Instrument Date	Apr 27, 2026
Instrument	202611548
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48,328.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 SPRING DR, MARENGO, IL 60152-3386
Investor	Possibly a Property Investor

Mortgage

Document Number	0000011549,
Date	May 11, 2026
Instrument	202611549

Lender

Name	MLD MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.75%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	313 GENOA ST, CHERRY VALLEY, IL 61016-9106
Document Number	0001011828
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 GENOA ST CHERRY VALLEY IL 610169106, CHERRY VALLEY, IL 61016-9106

Mortgage

Document Number	0001011828
Date	May 7, 2020
Instrument	1011828

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 6, 2050

Interest

Rate	4.12%

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WINNEBAGO IL
Recording Date	May 7, 2020
Property Address	313 GENOA ST, CHERRY VALLEY, IL 61016-9106
Document Number	0001011827
Instrument Date	May 1, 2020
Instrument	1011827
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$263.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4817 N 73RD ST SCOTTSDALE AZ 852511336, SCOTTSDALE, AZ 85251-1336

Mortgage

Document Number	1011828
Date	May 7, 2020
Instrument	1011828

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 6, 2050

Interest

Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 313 Genoa St was $5,552, up 3.9% from the year before.

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	$5,552.00 (+3.89%)	$77,220 (+10.55%) Land $9,110 Building $68,110	$231,660 (+10.55%) Land $27,330 Building $204,330
2024	$5,344.00	$69,851 Land $8,241 Building $61,610	$209,553 Land $24,723 Building $184,830
2022		$59,171 Land $6,981 Building $52,190	$177,513 Land $20,943 Building $156,570

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

FEMA maps place 313 Genoa St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	2 (2007–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2010 · Severe Storms And Flooding

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

The area around 313 Genoa St has no burnable land within ember reach, so its wildfire risk is not rated.

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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