Winnebago County property record for 412 E Cunningham St, Winnebago, IL 61088 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1904 |
| Square Footage | 3,376 sqft Living Area |
| Lot Size | 1.4 acres |
| Occupancy | Owner Occupied |
| Tax Bill | $3,981.00 (2025) |
| Primary APN | 512A234 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 3,376 sqft Living Area |
| Gross Area | 3,589 sqft Gross Area |
| 1st Floor | 844 sqft 1st Floor |
| Basement Area | 844 sqft Basement |
| Finished Basement | 844 sqft Finished |
| Stories | 2 Stories |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Construction Type | Frame Construction |
| Lot Area | 60,984 sqft |
| Deck Area | 213 sqft Deck |
| Porch | Enclosed Porch |
| Heating System | Central Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Street Address | 412 E CUNNINGHAM ST |
|---|---|
| City | WINNEBAGO |
| State | IL |
| Zip | 61088-9722 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CANAL TRUSTEES ADD 1.4A TR COMPRISINGTHAT PT OF E 1/2 VAC GOODLING ST LYG NOF BLK 30 ROBERTSONS ADD & S OF A LN505 FT N OF S LN SW 1/4 ALSO IRR TR IN |
| Legal Subdivision | CANAL TRUSTEES ADD |
| Legal Tract | 1N |
| Legal Block | 30 |
| Jurisdiction | WINNEBAGO IL |
| Minor Civil Division | WINNEBAGO |
| Census Blockgroup | 2 |
| Census Block | 2023 |
| Census Tract | 4200 |
Source: Winnebago County records · APN 512A234
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 | 412 E CUNNINGHAM ST, WINNEBAGO, IL 61088-9722 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenant By Entirety |
| Date | Document |
|---|---|
| Mar 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UMB BANK NA |
| Nov 09, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jun 07, 2019 | Deed of Trust, Mortgage · Line of Credit ROCKFORD BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Nov 06, 2020 |
| Transfer Doc | 0001034393 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 412 E CUNNINGHAM ST, WINNEBAGO, IL 61088-9722 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Title Company | TULSA ABSTRACT AND TITLE COMPANY, TUA |
| Name | Verified Name |
|---|
| Document Number | 0000006951 |
|---|---|
| Date | Mar 23, 2026 |
| Instrument | 2606951 |
| Name | UMB BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.13% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Nov 09, 2020 |
| Property Address | 412 E CUNNINGHAM ST, WINNEBAGO, IL 61088-9722 |
| Document Number | 0001034393 |
| Instrument Date | Nov 06, 2020 |
| Instrument | 1034393 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 412 E CUNNINGHAM ST WINNEBAGO IL 610889722, WINNEBAGO, IL 61088-9722 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 412 E CUNNINGHAM ST, WINNEBAGO, IL 61088-9722 |
| Document Number | 0001020723 |
| Instrument Date | Jun 07, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 4-12 E CUNNINGHAM RD WINNEBAGO IL 61088, WINNEBAGO, IL 61088 |
| Document Number | 0001020723 |
|---|---|
| Date | Jun 19, 2019 |
| Instrument | 1020723 |
| Name | ROCKFORD BK&TR |
|---|---|
| Type | Bank |
| Address | ROCKFORD, IL 61110-0248 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $3,981.00 | $59,796 (+31.49%) Land $16,236 Building $43,560 | $179,388 (+31.49%) Land $48,708 Building $130,680 |
| 2022 | Homeowner's exemption | $45,476 Land $12,472 Building $33,004 | $136,428 Land $37,416 Building $99,012 |
412 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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