3446 Valley Woods Dr, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 3446 Valley Woods Dr, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,634 sqft · built 1992
Lot Size	0.588 acres (25,591 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Jun 2019)
Tax Bill	$7,492 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jun 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254A328`

Property Details

APN / Parcel Number

Primary APN	`254A328`
Alternative APN	`1602252002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,634 sqft Living Area
1st Floor Area	1,211 sqft
Basement Area	1,106 sqft
Finished Basement	1,106 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Frame
Roof Material	Asphalt
Lot Area	25,591 sqft (0.588 acres)
Garage Area	1,050 sqft
Driveway	Driveway
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3446 VALLEY WOODS DR
City	CHERRY VALLEY
State	IL
Zip	61016-9284
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - SINGL
Legal Description	PLAT NO 2 VALLEY RIDGE SUB BNG PT W1/2NE1/4 SEC 2-43-2 LOT 8
Legal Range	2
Legal Township	43
Legal Section	2
Legal Subdivision	PLAT NO 2 VALLEY RIDGE SUB
Legal Lot Number	8
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	1
Census Block	1005
Census Tract	3705

Owner

3446 Valley Woods Dr is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3446 VALLEY WOODS DR, CHERRY VALLEY, IL 61016-9284
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 10, 2019	Quit Claim Deed, Transfer TITLE UNDERWRITERS AGENCY
Jun 10, 2019	Grant Deed, Transfer · Conventional Mortgage ROCK VLY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2019 · Amount on File
Deed Sale	Jun 10, 2019 · Amount on File
Prior Sale	Aug 23, 1993 · Amount on File
Deed Document Number	20191019643
Prior Transfer Date	Jun 1, 2019
Prior Transfer Doc	0001019642
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3446 VALLEY WOODS DR, CHERRY VALLEY, IL 61016-9284
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025012
Date	Aug 12, 2022
Instrument	2225012

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 10, 2019
Property Address	3446 VALLEY WOODS DR, CHERRY VALLEY, IL 61016-9284
Document Number	0001019642
Instrument Date	Jun 1, 2019
Instrument	1019642
Transaction Type	Transfer
Record Updated	Jul 3, 2019
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate
Address	3446 VALLEY WOODS DR CHERRY VALLEY IL 610169284, CHERRY VALLEY, IL 61016-9284

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 10, 2019
Property Address	3446 VALLEY WOODS DR, CHERRY VALLEY, IL 61016-9284
Document Number	0001019643
Instrument Date	May 31, 2019
Instrument	1019643
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3436 LAUREN LN CHERRY VALLEY IL 61016, CHERRY VALLEY, IL 61016

Mortgage

Document Number	1019644
Date	Jun 10, 2019
Instrument	1019644

Lender

Name	ROCK VLY CU
Address	LOVES PARK, IL 61111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Jun 9, 2026

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 3446 Valley Woods Dr was $7,492 with a homeowner's exemption, up 4.5% 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	$7,492.00 (+4.51%) Homeowner's exemption	$100,278 (+10.55%) Land $17,227 Building $83,051	$300,834 (+10.55%) Land $51,681 Building $249,153
2024	$7,169.00	$90,708 Land $15,583 Building $75,125	$272,124 Land $46,749 Building $225,375
2022	Homeowner's exemption	$69,915 Land $13,199 Building $56,716	$209,745 Land $39,597 Building $170,148

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 3446 Valley Woods Dr in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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

Wildfire risk around 3446 Valley Woods Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHERRY VALLEY serves 4,731 people · EPA ID IL2010050
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 146 locations within half a mile, as of December 31, 2025

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

May also be available: Surf Internet, Verizon.

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