Winnebago County property record for 406 N Cherry St, Cherry Valley, IL 61016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,606 sqft · built 1986 |
| Lot Size | 0.441 acres (19,186 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $177,500 (Apr 2004) |
| Tax Bill | $4,442 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 253B133A |
| Primary APN | 253B133A |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,606 sqft Living Area |
| 1st Floor Area | 1,303 sqft |
| Basement Area | 1,303 sqft |
| Finished Basement | 1,303 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 19,186 sqft (0.441 acres) |
| Garage Area | 487 sqft |
| Driveway | Driveway |
| Deck Area | 270 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 253B133A |
|---|---|
| Street Address | 406 N CHERRY ST |
| City | CHERRY VALLEY |
| State | IL |
| Zip | 61016-9497 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - SINGL |
| Legal Description | FITCHS 2ND ADD TO CHERRY VALLEY LOTS 1-2 & N 1/2 LOT 3 BLOCK 32 |
| Legal Subdivision | FITCHS 2ND ADD |
| Legal Block | 32 |
| Legal Lot Number | 1-2,3 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | CHERRY VALLEY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 3705 |
406 N Cherry St is owned by two individuals who bought it in April 2004.
Source: Winnebago County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 739 S LOMBARD AVE, OAK PARK, IL 60304-1607 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2004 · Amount on File |
| Deed Sale | Apr 16, 2004 · Amount on File |
| Deed Document Number | 2004425045 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 406 N CHERRY ST, CHERRY VALLEY, IL 61016-9497 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000001758 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | 2101758 |
| Name | INLAND BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 406 N Cherry St was $4,442.
Source: Winnebago County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,442.00 | $61,782 Land $11,484 Building $50,298 | $185,346 Land $34,452 Building $150,894 |
| 2022 | $47,684 Land $9,073 Building $38,611 | $143,052 Land $27,219 Building $115,833 |
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.
FEMA maps place 406 N Cherry St in Zone X, an area of minimal flood risk, within 100 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 100 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 risk around 406 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.
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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