Winnebago County property record for 3454 Mill Rd, Cherry Valley, IL 61016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,456 sqft · built 1991 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | Individual Name on File |
| Last Sale | $312,500 (Apr 2024) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Jul 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 16-01-152-012 |
| Primary APN | 16-01-152-012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Basement Area | 936 sqft |
| Finished Basement | 936 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 37,462 sqft (0.86 acres) |
| Driveway | Driveway |
| Driveway Area | 32 sqft |
| Deck Area | 32 sqft |
| Heating System | Gas |
|---|
| Old Parcel Number | 253B192A |
|---|---|
| Street Address | 3454 MILL RD |
| City | CHERRY VALLEY |
| State | IL |
| Zip | 61016-9766 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - SINGLE FAM |
| Legal Description | BEG AT A PT 177.07 FT SW OF C/L MILL RD & E LN NE 1/4 SEC 2 TH SELY TO BANKOF KISH RIVER TH UPSTREAM APPROX 110 FT TH NWLY TO |
| Legal Range | 02 |
| Legal Township | 43 |
| Legal Section | 02 |
| Legal Block | 2 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | CHERRY VALLEY |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 3705 |
Source: Winnebago County records · APN 16-01-152-012
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 | 158 LIONS CT, LAKE ZURICH, IL 60047-7011 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 15, 2024 | Warranty Deed, Transfer · Conventional Mortgage POLISH & SIAVIC FCU |
| Jul 11, 2023 | Warranty Deed, Transfer · Conventional Mortgage LAKESIDE BANK |
| Oct 06, 2021 | Warranty Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 15, 2024 · Amount on Record |
| Deed Sale | Apr 15, 2024 · Amount on Record |
| Prior Sale | Jul 11, 2023 · Amount on Record |
| Deed Document Number | 2408178 |
| Record Updated | Jun 07, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Apr 15, 2024 |
| Property Address | 3454 MILL RD, CHERRY VALLEY, IL 61016-9766 |
| Document Number | 0000008178 |
| Instrument Date | Apr 05, 2024 |
| Instrument | 2408178 |
| Transaction Type | Transfer |
| Record Updated | Jun 09, 2026 |
| Title Company | TULSA ABSTRACT AND TITLE COMPANY, TUA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $468.75 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 158 LIONS CT, LAKE ZURICH, IL 60047-7011 |
| Document Number | 0000008179 |
|---|---|
| Date | Apr 15, 2024 |
| Instrument | 2408179 |
| Name | POLISH & SIAVIC FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Monthly |
| Min Rate At Change | 3.38% |
| Max Rate At Change | 9.38% |
| Index | 5-Year TN |
| Margin | 3 |
| Max Rate | 12.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Jul 11, 2023 |
| Property Address | 3454 MILL RD, CHERRY VALLEY, IL 61016-9766 |
| Document Number | 0000015341 |
| Instrument Date | Jun 28, 2023 |
| Instrument | 2315341 |
| Transaction Type | Transfer |
| Record Updated | Aug 02, 2023 |
| Title Company | TULSA ABSTRACT AND TITLE COMPANY, TUA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $427.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3454 MILL RD, CHERRY VALLEY, IL 61016-9766 |
| Investor | Possibly a Property Investor |
| Document Number | 0000015342 |
|---|---|
| Date | Jul 11, 2023 |
| Instrument | 2315342 |
| Name | LAKESIDE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.63% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Oct 06, 2021 |
| Property Address | 3454 MILL RD, CHERRY VALLEY, IL 61016-9766 |
| Document Number | 0000035825 |
| Instrument Date | Aug 13, 2021 |
| Instrument | 2135825 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $367.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3454 MILL RD, CHERRY VALLEY, IL 61016-9766 |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | Homeowner's exemption | $50,711 Land $10,485 Building $40,226 | $152,133 Land $31,455 Building $120,678 |
Source: FEMA National Flood Hazard Layer as of July 12, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 7 (1978–1999) |
| Most Recent Claim | Jun 1999 · river or lake flooding |
| Wildfire Risk | Low lower than 94% of the US · lower than 61% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Surf Air Wireless, Verizon.
Based on FCC filings for 146 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CHERRY VALLEY serves 4,731 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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