3681 Mill Rd, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 3681 Mill Rd, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,144 sqft · built 1965
Lot Size	1.26 acres (55,321 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (May 2005)
Tax Bill	$4,290 (2025)
Deeds & Mortgages	Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`254D064`

Property Details

APN / Parcel Number

Primary APN	`254D064`
Alternative APN	`1602404011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	1,716 sqft
1st Floor Area	1,144 sqft
Basement Area	572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	55,321 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	254D064
Street Address	3681 MILL RD
City	CHERRY VALLEY
State	IL
Zip	61016-9769
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	BEGN AT A POINT ON N LINE S1/2 N 1/2 SE1/4 691.07 FT ELY FROM W LINE SE1/4 TH ELY 192.94 FT TH SELY 300.7FT TO NWLY LINE RD TH SWLY ALONG RD 155.30 FT T
Legal Block	2
Legal Lot Number	2
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	1
Census Block	1017
Census Tract	3705

Owner

Source: Winnebago County records, as of July 28, 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	3671 MILL RD, CHERRY VALLEY, IL 61016-9769
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2005 · Amount on Record
Deed Sale	May 27, 2005 · Amount on Record
Deed Document Number	2005529941
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3681 MILL RD, CHERRY VALLEY, IL 61016-9769
Document Number	0001005337
Instrument Date	Feb 26, 2019
Transaction Type	Mortgage
Record Updated	Mar 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3681 MILL RD CHERRY VALLEY IL 610169769, CHERRY VALLEY, IL 61016-9769

Mortgage

Document Number	0001005337
Date	Mar 6, 2019
Instrument	1005337

Lender

Name	FIRST NAT'L BK/OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
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	$4,290.00	$60,625 (+32.55%) Land $18,587 Building $42,038	$181,875 (+32.55%) Land $55,761 Building $126,114
2022		$45,739 Land $11,435 Building $34,304	$137,217 Land $34,305 Building $102,912

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
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

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 245 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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