408 E Cunningham St, Winnebago, IL 61088 Property Records

Winnebago County property record for 408 E Cunningham St, Winnebago, IL 61088

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,112 sqft · built 1985
Lot Size	165 acres (7,196,112 sqft)
Owner	2 Individuals on Record
Last Sale	$105,000 (Oct 2005)
Tax Bill	$4,504 (2025)
Deeds & Mortgages	May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`512A605`

Property Details

APN / Parcel Number

Primary APN	`512A605`
Alternative APN	`1409380012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,112 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Finished Basement	1,056 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Frame
Lot Area	7,196,112 sqft
Garage Area	480 sqft

Location & Zoning

Account Number	512A605
Street Address	408 E CUNNINGHAM ST
City	WINNEBAGO
State	IL
Zip	61088-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SLACKS 4TH REPLAT OF PT BLKS 61 & 76 OF CANAL TRUSTEES ADD TO TOWN OF WINNEBAGO LOT 56
Legal Subdivision	WINNEBAGO
Legal Block	61,76
Legal Lot Number	56
Jurisdiction	WINNEBAGO IL
Township / Civil Division	WINNEBAGO
Census Block Group	2
Census Block	2023
Census Tract	4200

Owner

Source: Winnebago County assessment roll, 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 Individuals on Record
Mailing Address	408 E CUNNINGHAM ST, WINNEBAGO, IL 61088-9722
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2005 · Amount on Record
Deed Sale	Oct 24, 2005 · Amount on Record
Deed Document Number	2005576822
Last Transfer Date	May 10, 2018
Transfer Doc	0001013567
Record Updated	Sep 20, 2026

May 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	May 16, 2018
Property Address	408 E CUNNINGHAM ST, WINNEBAGO, IL 61088-9722
Document Number	0001013567
Instrument Date	May 10, 2018
Instrument	1013567
Transaction Type	Mortgage
Record Updated	Oct 11, 2018
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	408 E CUNNINGHAM ST WINNEBAGO IL 610889722, WINNEBAGO, IL 61088-9722

Mortgage

Document Number	1013568
Date	May 16, 2018
Instrument	1013568

Lender

Name	BLACKHAWK BK
Type	Bank
Address	BELOIT, WI 53511

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2048

Interest

Rate	4.62%

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,504.00 (+3.37%) Homeowner's exemption	$60,448 (+11.06%) Land $10,332 Building $50,116	$181,344 (+11.06%) Land $30,996 Building $150,348
2024	$4,357.00	$54,428 (+18.39%) Land $9,303 Building $45,125	$163,284 (+18.39%) Land $27,909 Building $135,375
2022	Homeowner's exemption	$45,972 Land $7,937 Building $38,035	$137,916 Land $23,811 Building $114,105

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 95% of the US · lower than 70% 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	WINNEBAGO serves 2,940 people · EPA ID IL2010500
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Silo Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

May also be available: AaroBand.

Cell Coverage

5G (outdoors only) and 4G LTE

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