3785 Mill Rd, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 3785 Mill Rd, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,025 sqft · built 1965
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$124,500 (Jul 2015)
Deeds & Mortgages	Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`16-02-403-008`

Property Details

APN / Parcel Number

Primary APN	`16-02-403-008`
Alternative APN	`254D050A`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,025 sqft Living Area
1st Floor Area	1,025 sqft
Basement Area	1,025 sqft
Finished Basement	1,025 sqft

Exterior

Year Built	Built 1965
Construction Type	Frame
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Old Parcel Number	254D050A
Street Address	3785 MILL RD
City	CHERRY VALLEY
State	IL
Zip	61016-9101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	BEGN 163.23 FT NELY FROM A POINT ON WLINE SE1/4 DISTANT 1148.88 FT N OF SWCOR SE1/4 TH NELY 75 FT SELY 151.85 FTSWLY 75 FT
Legal Range	02
Legal Township	43
Legal Section	02
Legal Block	2
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	1
Census Block	1022
Census Tract	3705

Owner

Source: Winnebago County assessment roll, as of January 1, 2022

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 File
Mailing Address	3785 MILL RD, CHERRY VALLEY, IL 61016-9101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 13, 2015 · Amount on Record
Deed Sale	Jul 13, 2015 · Amount on Record
Prior Sale	Jul 1, 2008 · Amount on Record
Deed Document Number	1520960
Record Updated	Jun 7, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3785 MILL RD, CHERRY VALLEY, IL 61016-9101
Document Number	0001024854
Instrument Date	Jul 18, 2019
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3785 MILL RD CHERRY VALLEY IL 610169101, CHERRY VALLEY, IL 61016-9101

Mortgage

Document Number	0001024854
Date	Jul 25, 2019
Instrument	1024854

Lender

Name	MIDLAND STATES BK
Type	Bank
Address	ROCKFORD, IL 61112

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 24, 2029

Interest

Rate Type	Adjustable Rate
Rate	5.5%

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of January 1, 2022

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
2022	Homeowner's exemption	$36,999 Land $8,213 Building $28,786	$110,997 Land $24,639 Building $86,358

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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 Air Wireless Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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