3915 Mill Rd, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 3915 Mill Rd, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,776 sqft · built 1995
Lot Size	0.358 acres (15,579 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (May 2021)
Tax Bill	$5,403 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254C084`

Property Details

APN / Parcel Number

Primary APN	`254C084`
Alternative APN	`1602353021`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,776 sqft Living Area
1st Floor Area	1,388 sqft
Basement Area	1,388 sqft
Finished Basement	1,388 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Roof Material	Asphalt
Lot Area	15,579 sqft (0.358 acres)
Garage Area	440 sqft
Driveway	Driveway
Deck Area	595 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3915 MILL RD
City	CHERRY VALLEY
State	IL
Zip	61016-9711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	VALLEY VIEW FARMS NO 2 REPLAT LOT 79 &PT LOT 51 PT SW1/4 SEC 2-43-2 LOT 4
Legal Range	2
Legal Township	43
Legal Section	2
Legal Subdivision	VALLEY VIEW FARMS 2
Legal Lot Number	4,51,
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	1
Census Block	1020
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	3915 MILL RD, CHERRY VALLEY, IL 61016-9711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Dec 27, 2019	Deed of Trust, Mortgage · Line of Credit BLACKHAWK CMNTY CU
Nov 12, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2021 · Amount on Record
Deed Sale	May 14, 2021 · Amount on Record
Prior Sale	Jul 19, 2016 · Amount on Record
Deed Document Number	202116896
Record Updated	Oct 29, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	May 14, 2021
Property Address	3915 MILL RD, CHERRY VALLEY, IL 61016-9711
Document Number	0000016896
Map Reference	PB 40 PG 128B
Instrument Date	May 13, 2021
Instrument	2116896
Transaction Type	Transfer
Record Updated	Jun 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$307.50
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	3915 MILL RD, CHERRY VALLEY, IL 61016-9711

Mortgage

Document Number	0000016897
Date	May 14, 2021
Instrument	2116897

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3915 MILL RD, CHERRY VALLEY, IL 61016-9711
Document Number	0001001873
Instrument Date	Dec 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3915 MILL RD CHERRY VALLEY IL 610169711, CHERRY VALLEY, IL 61016-9711

Mortgage

Document Number	0001001873
Date	Jan 21, 2020
Instrument	1001873

Lender

Name	BLACKHAWK CMNTY CU
Type	Credit Union
Address	JANESVILLE, WI 53547-5366

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 20, 2045

Interest

Rate Type	Adjustable Rate

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Nov 12, 2019
Property Address	3915 MILL RD, CHERRY VALLEY, IL 61016-9711
Document Number	0001037661
Instrument Date	Nov 5, 2019
Instrument	1037661
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3915 MILL RD CHERRY VALLEY IL 610169711, CHERRY VALLEY, IL 61016-9711

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	$5,403.00	$81,159 (+31.32%) Land $11,484 Building $69,675	$243,477 (+31.32%) Land $34,452 Building $209,025
2022	Homeowner's exemption	$61,803 Land $10,677 Building $51,126	$185,409 Land $32,031 Building $153,378

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 96% of the US · lower than 74% 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 185 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

May also be available: T-Mobile, Verizon.

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