3738 Renfro Rd, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 3738 Renfro Rd, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 3,042 sqft · built 1965
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on Record
Tax Bill	$4,180 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`254D042A`

Property Details

APN / Parcel Number

Primary APN	`254D042A`
Alternative APN	`1602403002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	3,042 sqft Living Area
1st Floor Area	1,014 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	22,651 sqft (0.52 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3738 RENFRO RD
City	CHERRY VALLEY
State	IL
Zip	61016-9784
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	BEGN AT A POINT 163.2 FT NELY FROM A POINT ON W LN SE1/4 A DISTANCE OF 1148.88 FT DUE N OF SW COR SE 1/4 TH CONTINUING NELY 150 FT TH NWLY 150 FT TH SW
Legal Block	2
Legal Lot Number	2
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	1
Census Block	1022
Census Tract	3705

Owner

Source: Winnebago County records, as of August 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3738 RENFRO RD, CHERRY VALLEY, IL 61016-9784
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCK VALLEY FCU
Sep 3, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCK VALLEY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 21, 2021
Transfer Doc	0000031386
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3738 RENFRO RD, CHERRY VALLEY, IL 61016-9784
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000112
Date	Jan 2, 2024
Instrument	2400112

Lender

Name	ROCK VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	132 Months
Due	Jan 1, 2034

Interest

Rate Type	Fixed Rate
Rate	8.42%

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 3, 2021
Property Address	3738 RENFRO RD, CHERRY VALLEY, IL 61016-9784
Document Number	0000031386
Instrument Date	Aug 21, 2021
Instrument	2131386
Transaction Type	Transfer
Record Updated	Oct 6, 2021
Title Company	LAKESHORE TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3738 RENFRO RD, CHERRY VALLEY, IL 61016-9784

Mortgage

Document Number	0000031387
Date	Sep 3, 2021
Instrument	2131387

Lender

Name	ROCK VALLEY FCU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	2.69%

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	$4,180.00 (+5.85%)	$64,143 (+31.22%) Land $17,227 Building $46,916	$192,429 (+31.22%) Land $51,681 Building $140,748
2022	$3,949.00 Homeowner's exemption	$48,882 Land $10,677 Building $38,205	$146,646 Land $32,031 Building $114,615

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 99.1% of the US · lower than 94% 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.

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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