3804 Mill Rd, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 3804 Mill Rd, Cherry Valley, IL 61016

Property Summary

Property Type	Farm - Irrigated or Dry
Details	2 bd · 2 ba · 3,256 sqft · built 1951
Lot Size	7.5 acres (326,700 sqft)
Owner	2 Individual Names on File
Last Sale	$213,500 (Dec 2019)
Tax Bill	$5,178 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254D012`

Property Details

APN / Parcel Number

Primary APN	`254D012`
Alternative APN	`1602451012`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,256 sqft Gross Area
1st Floor Area	1,628 sqft
Basement Area	1,628 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	326,700 sqft
Driveway	Driveway
Deck Area	512 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3804 MILL RD
City	CHERRY VALLEY
State	IL
Zip	61016-9334
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Local Zoning Code	AG
Legal Description	MARTIN HAWKINSON COS SUB MERRITT FARMPT SE1/4 SEC 2-43-2 EXC N 100 FT E 200FT ALL LOT 013
Legal Range	2
Legal Township	43
Legal Section	2
Legal Subdivision	MARTIN HAWKINSON COS SUB MERRITT FARM
Legal Lot Number	013
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	5
Census Block	5003
Census Tract	3705

Owner

3804 Mill Rd, an agricultural property, is owned by two individuals who bought it in December 2019.

Source: Winnebago County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3925 SONGBIRD LN, CHERRY VALLEY, IL 61016-9703
Owner Type	Individual
Vesting	Tenants in Common

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 17, 2019	Grant Deed, Transfer · Conventional Mortgage MIDWEST CMNTY BK
Dec 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2019 · Amount on File
Deed Sale	Dec 17, 2019 · Amount on File
Prior Sale	Mar 3, 2016 · Amount on File
Deed Document Number	20191041646
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 18, 2025
Property Address	3804 MILL RD, CHERRY VALLEY, IL 61016-9334
Document Number	0000024193
Map Reference	PB 22 PG 82
Instrument Date	Sep 8, 2025
Instrument	2524193
Transaction Type	Transfer
Record Updated	Oct 15, 2025
Title Company	MAGNUS TITLE AGENCY, MTA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$511.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 GLEN ABBEY DR, ROCKFORD, IL 61107-2946

Mortgage

Document Number	0000024194
Date	Sep 18, 2025
Instrument	2524194

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Fixed Rate
Rate	7.29%

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 17, 2019
Property Address	3804 MILL RD, CHERRY VALLEY, IL 61016-9334
Document Number	0001041646
Instrument Date	Dec 13, 2019
Instrument	1041646
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NORTHERN LAND TITLE CORPORATION, NLT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3925 SONGBIRD LN CHERRY VALLEY IL 610169703, CHERRY VALLEY, IL 61016-9703

Mortgage

Document Number	1041647
Date	Dec 17, 2019
Instrument	1041647

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	FREEPORT, IL 61032

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 16, 2034

Interest

Rate Type	Fixed Rate
Rate	4.25%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3804 MILL RD, CHERRY VALLEY, IL 61016-9334
Document Number	0001041647
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Jan 6, 2020
Title Company	NORTHERN LAND TITLE CORPORATION, NLT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3804 MILL RD CHERRY VALLEY IL 610169334, CHERRY VALLEY, IL 61016-9334

Mortgage

Document Number	0001041647
Date	Dec 17, 2019
Instrument	1041647

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	FREEPORT, IL 61032

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 16, 2034

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 3804 Mill Rd was $5,178, up 3.3% from the year before.

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	$5,178.00 (+3.27%)	$73,168 (+9.8%) Land $8,751 Building $64,417	$219,504 Land $26,253 Building $193,251
2024	$5,014.00	$66,638 Land $7,873 Building $58,765
2022		$57,113 Land $6,539 Building $50,574	$171,339 Land $19,617 Building $151,722

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

FEMA maps place 3804 Mill Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1978.

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	2 in force
Nearby Flood Claims	7 (1978–1999)
Most Recent Claim	Jun 1999 · river or lake flooding

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

Wildfire risk around 3804 Mill Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · above 42% 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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