3927 Mill Rd, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 3927 Mill Rd, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 4,640 sqft · built 1916
Lot Size	0.846 acres (36,861 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Apr 2024)
Tax Bill	$6,481 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Apr 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`254C083B`

Property Details

APN / Parcel Number

Primary APN	`254C083B`
Alternative APN	`1602353024`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,640 sqft Living Area
1st Floor Area	1,160 sqft
Basement Area	1,160 sqft
Finished Basement	1,160 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Construction Type	Frame
Roof Material	Asphalt
Lot Area	36,861 sqft (0.846 acres)
Driveway	Driveway
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3927 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 LT 79 &PT LT 51 PT SW1/4 SEC 2-43-2 E 76 FT LT 1 & ALL LOTS 2 & 3
Legal Range	2
Legal Township	43
Legal Section	2
Legal Subdivision	VALLEY VIEW FARMS #2
Legal Lot Number	1
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	2 Individual Names on Record
Mailing Address	3927 MILL RD, CHERRY VALLEY, IL 61016-9711
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2024	Deed, Transfer · Conventional Mortgage C & R MORTGAGE CORP
Apr 10, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 9, 2023	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Sep 23, 2022	Warranty Deed, Transfer SECURITY FIRST TITLE
Jun 1, 2022	Warranty Deed, Transfer SECURITY FIRST TITLE
Aug 15, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2024 · Amount on Record
Deed Sale	Apr 8, 2024 · Amount on Record
Prior Sale	Sep 23, 2022 · Amount on Record
Deed Document Number	20247518
Last Transfer Date	May 17, 2024
Transfer Doc	0000011621
Record Updated	Sep 20, 2026

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Apr 8, 2024
Property Address	3927 MILL RD, CHERRY VALLEY, IL 61016-9711
Document Number	0000007518
Map Reference	BK40 PG128B
Instrument Date	Apr 2, 2024
Instrument	2407518
Transaction Type	Transfer
Record Updated	May 1, 2024
Title Company	TULSA ABSTRACT AND TITLE COMPANY, TUA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$442.50
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	3927 MILL RD, CHERRY VALLEY, IL 61016-9711

Mortgage

Document Number	0000007519
Date	Apr 8, 2024
Instrument	2407519

Lender

Name	C & R MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7.38%

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Apr 10, 2023
Property Address	3927 MILL RD, CHERRY VALLEY, IL 61016-9711
Document Number	0000007484
Map Reference	BK40 PG128B
Instrument Date	Mar 27, 2023
Instrument	2307484
Transaction Type	Transfer
Record Updated	May 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3927 MILL RD, CHERRY VALLEY, IL 61016-9711

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3927 MILL RD, CHERRY VALLEY, IL 61016-9711

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3927 MILL RD, CHERRY VALLEY, IL 61016-9711
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002815
Date	Feb 9, 2023
Instrument	2302815

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2053

Interest

Rate Type	Fixed Rate
Rate	7.44%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 23, 2022
Property Address	3927 MILL RD, CHERRY VALLEY, IL 61016-9711
Document Number	0000029445
Map Reference	BK40 PG128B
Instrument Date	Sep 14, 2022
Instrument	2229445
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	SECURITY FIRST TITLE

Transaction

Amount	Amount Recorded
Tax	$360.00
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	3927 MILL RD, CHERRY VALLEY, IL 61016-9711

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 1, 2022
Property Address	3927 MILL RD, CHERRY VALLEY, IL 61016-9711
Document Number	0000017237
Map Reference	BK40 PG128B
Instrument Date	May 10, 2022
Instrument	2217237
Transaction Type	Transfer
Record Updated	Jul 6, 2022
Title Company	SECURITY FIRST TITLE

Transaction

Amount	Amount Recorded
Tax	$255.00
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	903 SALEM ST, ROCKTON, IL 61072-2157

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3927 MILL RD, CHERRY VALLEY, IL 61016-9711
Document Number	0001025958
Instrument Date	Aug 15, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3927 MILL RD CHERRY VALLEY IL 610169711, CHERRY VALLEY, IL 61016-9711

Mortgage

Document Number	0001025958
Date	Sep 4, 2020
Instrument	1025958

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Sep 3, 2043

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	$6,481.00	$96,141 (+52.75%) Land $17,227 Building $78,914	$288,423 (+52.75%) Land $51,681 Building $236,742
2022	Homeowner's exemption	$62,942 Land $14,534 Building $48,408	$188,826 Land $43,602 Building $145,224

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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