Winnebago County property record for 404 E Cunningham St, Winnebago, IL 61088 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1985 |
| Square Footage | 2,192 sqft Living Area |
| Lot Size | 13,200 sqft (0.303 acres) |
| Garage | Detached, 576 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $2,487.00 (2025) |
| Primary APN | 512A607 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 2,192 sqft Living Area |
| 1st Floor | 1,096 sqft 1st Floor |
| Basement Area | 1,096 sqft Basement |
| Finished Basement | 1,096 sqft Finished |
| Stories | 1 Stories |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Frame Construction |
| Lot Area | 13,200 sqft (0.303 acres) |
| Depth X Width | 165 ft x 80 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 576 sqft Garage |
| Heating System | Central Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Account Number | 512A607 |
|---|---|
| Street Address | 404 E CUNNINGHAM ST |
| City | WINNEBAGO |
| State | IL |
| Zip | 61088-9722 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SLACKS 4TH REPLAT OF PT BLKS 61 & 76 OF CANAL TRUSTEES ADD TO TOWN OF WINNEBAGO LOT 58 |
| Legal Subdivision | WINNEBAGO |
| Legal Block | 61,76 |
| Legal Lot Number | 58 |
| Jurisdiction | WINNEBAGO IL |
| Minor Civil Division | WINNEBAGO |
| Census Blockgroup | 2 |
| Census Block | 2023 |
| Census Tract | 4200 |
Source: Winnebago County records · APN 512A607
Assessment roll updated July 28, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 404 E CUNNINGHAM ST, WINNEBAGO, IL 61088-9722 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 06, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK & TRUST CO |
| Dec 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK |
| Jan 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK |
| Aug 20, 2018 | Quit Claim Deed, Transfer Quitclaim Document |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Aug 20, 2018 |
| Transfer Doc | 0001023873 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 404 E CUNNINGHAM ST, WINNEBAGO, IL 61088-9722 |
| Transaction Type | Mortgage |
| Record Updated | Dec 03, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000029094 |
|---|---|
| Date | Nov 06, 2025 |
| Instrument | 2529094 |
| Name | FIRST NATIONAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 06, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 404 E CUNNINGHAM ST, WINNEBAGO, IL 61088-9722 |
| Document Number | 0001040411 |
| Instrument Date | Dec 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 07, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 404 E CUNNINGHAM ST WINNEBAGO IL 610889722, WINNEBAGO, IL 61088-9722 |
| Document Number | 0001040411 |
|---|---|
| Date | Dec 30, 2020 |
| Instrument | 1040411 |
| Name | FIRST NAT'L BK |
|---|---|
| Type | Bank |
| Address | BELOIT, WI 53511 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 404 E CUNNINGHAM ST, WINNEBAGO, IL 61088-9722 |
| Document Number | 0001004144 |
| Instrument Date | Jan 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 404 E CUNNINGHAM ST WINNEBAGO IL 610889722, WINNEBAGO, IL 61088-9722 |
| Document Number | 0001004144 |
|---|---|
| Date | Feb 12, 2020 |
| Instrument | 1004144 |
| Name | FIRST NAT'L BK |
|---|---|
| Type | Bank |
| Address | BELOIT, WI 53511 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 11, 2030 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Aug 20, 2018 |
| Property Address | 404 E CUNNINGHAM ST, WINNEBAGO, IL 61088-9722 |
| Document Number | 0001023873 |
| Instrument Date | Aug 20, 2018 |
| Instrument | 1023873 |
| Transaction Type | Transfer |
| Record Updated | Sep 07, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 E CUNNINGHAM ST WINNEBAGO IL 610889722, WINNEBAGO, IL 61088-9722 |
Source: Winnebago County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Winnebago County |
| County Subdivision | Winnebago Township |
| Municipality | Winnebago Village |
| Unified School District | Winnebago Community Unit School District 323 (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,487.00 | $56,738 (+31.48%) Land $10,332 Building $46,406 | $170,214 (+31.48%) Land $30,996 Building $139,218 |
| 2022 | Homeowner's exemption | $43,152 Land $7,937 Building $35,215 | $129,456 Land $23,811 Building $105,645 |
404 E Cunningham St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Winnebago County (17201C), updated July 12, 2023
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 5th percentile of exposed land nationally · 30th in Illinois |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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