3795 Mill Rd, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 3795 Mill Rd, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 874 sqft · built 1965
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Oct 2020)
Tax Bill	$2,873 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`254D051`

Property Details

APN / Parcel Number

Primary APN	`254D051`
Alternative APN	`1602403007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,748 sqft Living Area
1st Floor Area	874 sqft
Basement Area	874 sqft
Finished Basement	874 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	11,326 sqft (0.26 acres)
Garage Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3795 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 88.23 FT NELY FROM A POINT ON W LINE SE1/4 DISTANT 1148.88FT DUE N OF SW COR SE1/4 TH NELY 75FT TH SELY 152.47 FT TO NWLY LINE ROAD TH SWLY 75FT TH
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 July 28, 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	3795 MILL RD, CHERRY VALLEY, IL 61016-9101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2020 · Amount on Record
Deed Sale	Oct 20, 2020 · Amount on Record
Prior Sale	Jun 2, 2006 · Amount on Record
Deed Document Number	20201031756
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Oct 20, 2020
Property Address	3795 MILL RD, CHERRY VALLEY, IL 61016-9101
Document Number	0001031756
Instrument Date	Oct 19, 2020
Instrument	1031756
Transaction Type	Transfer
Record Updated	Nov 4, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$157.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3795 MILL RD CHERRY VALLEY IL 610169101, CHERRY VALLEY, IL 61016-9101

Mortgage

Document Number	1031757
Date	Oct 20, 2020
Instrument	1031757

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 19, 2050

Interest

Rate Type	Fixed Rate
Rate	2.99%

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	$2,873.00	$46,609 (+24.8%) Land $11,484 Building $35,125	$139,827 (+24.8%) Land $34,452 Building $105,375
2022	Homeowner's exemption	$37,347 Land $8,213 Building $29,134	$112,041 Land $24,639 Building $87,402

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

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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