Winnebago County property record for 410 Elgin St, Cherry Valley, IL 61016
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 4,138 sqft · built 1900 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $39,700 (Jan 2013) |
| Tax Bill | $2,873 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 253A137B |
| Primary APN | 253A137B |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 4,138 sqft Living Area |
| Gross Area | 4,920 sqft |
| 1st Floor Area | 1,829 sqft |
| Basement Area | 782 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 5,227 sqft (0.12 acres) |
| Driveway | Driveway |
| Deck Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 253A137B |
|---|---|
| Street Address | 410 ELGIN ST |
| City | CHERRY VALLEY |
| State | IL |
| Zip | 61016-9494 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - SINGL |
| Legal Description | COM N LINE ELGIN ST 78.29 FT E OF W LINE NE 1/4 TH NLY 42.83 FT FOR THE P OB TH SLY 42.83 FT TO N LINE ELGIN ST TH E 94.30 FT TH N 61.22 FT TH SWLY 103 |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | CHERRY VALLEY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 3705 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 410 ELGIN ST, CHERRY VALLEY, IL 61016-9494 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 17, 2013 · Amount on Record |
| Deed Sale | Jan 17, 2013 · Amount on Record |
| Deed Document Number | 20131003340 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Jun 1, 2026 |
| Property Address | 410 ELGIN ST, CHERRY VALLEY, IL 61016-9494 |
| Document Number | 0000013553 |
| Instrument Date | May 22, 2026 |
| Instrument | 202613553 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 410 ELGIN ST, CHERRY VALLEY, IL 61016-9494 |
| Document Number | 0000013553, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 202613553 |
| Name | FIRST MID BK&TR NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 20, 2046 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
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 | $2,873.00 (+5.55%) Homeowner's exemption | $45,968 (+10.55%) Land $5,743 Building $40,225 | $137,904 (+10.55%) Land $17,229 Building $120,675 |
| 2024 | $2,722.00 | $41,581 (+4.77%) Land $5,195 Building $36,386 | $124,743 (+4.77%) Land $15,585 Building $109,158 |
| 2022 | Homeowner's exemption | $39,688 Land $6,982 Building $32,706 | $119,064 Land $20,946 Building $98,118 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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.
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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