401 N Cherry St, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 401 N Cherry St, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 3,195 sqft · built 1900
Lot Size	0.626 acres (27,253 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Aug 2021)
Tax Bill	$3,200 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`253B131A`

Property Details

APN / Parcel Number

Primary APN	`253B131A`
Alternative APN	`1601128001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	3,195 sqft Living Area
Gross Area	3,780 sqft
1st Floor Area	1,305 sqft
Basement Area	585 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Roof Material	Asphalt
Lot Area	27,253 sqft (0.626 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	401 N CHERRY ST
City	CHERRY VALLEY
State	IL
Zip	61016-9497
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FITCHS 2ND ADDN TO CHERRY VALLEY (EXC2 DEEDS TO STATE BY 1295-152 & 1527- 380) & (EXC THAT PT S OF BYPASS) LOTS 1+ 2 +3 + 4 & 5 BLOCK 31
Legal Subdivision	FITCHS 2ND ADDN TO CHERRY VALLEY
Legal Block	31
Legal Lot Number	1
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	2
Census Block	2001
Census Tract	3705

Owner

401 N Cherry St is owned and occupied by two individuals who bought it in August 2021.

Source: Winnebago County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	401 N CHERRY ST, CHERRY VALLEY, IL 61016-9497
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 11, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 12, 2021	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2021 · Amount on File
Deed Sale	Aug 12, 2021 · Amount on File
Deed Document Number	202128611
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 11, 2026
Property Address	401 N CHERRY ST, CHERRY VALLEY, IL 61016-9497
Document Number	0000020734
Instrument Date	Aug 1, 2026
Instrument	202620734
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 N CHERRY ST, CHERRY VALLEY, IL 61016-9497

Mortgage

Document Number	0000020734,
Date	Aug 11, 2026
Instrument	202620734

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

August 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 12, 2021
Property Address	401 N CHERRY ST, CHERRY VALLEY, IL 61016-9497
Document Number	0000028611
Map Reference	PB 34 PG 99
Instrument Date	Apr 26, 2021
Instrument	2128611
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Amount	Amount on Record
Tax	$187.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	401 N CHERRY ST, CHERRY VALLEY, IL 61016-9497

Tax Assessment & Valuation

The 2025 property tax bill for 401 N Cherry St was $3,200 with a homeowner's exemption.

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Cherry Valley Village
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	$3,200.00	$50,517 Land $17,227 Building $33,290	$151,551 Land $51,681 Building $99,870
2022	Homeowner's exemption	$36,721 Land $9,073 Building $27,648	$110,163 Land $27,219 Building $82,944

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 401 N Cherry St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1994–2007)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2007 · rainfall accumulation

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 401 N Cherry St 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 97% of the US · lower than 79% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Surf Internet.

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