416 W State St, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 416 W State St, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,240 sqft · built 1950
Lot Size	0.628 acres (27,336 sqft)
Owner	Individual Name on Record
Last Sale	$78,000 (Jun 2018)
Tax Bill	$3,716 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254A142C`

Property Details

APN / Parcel Number

Primary APN	`254A142C`
Alternative APN	`1601105017`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,240 sqft Living Area
1st Floor Area	1,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	27,336 sqft (0.628 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	254A142C
Street Address	416 W STATE ST
City	CHERRY VALLEY
State	IL
Zip	61016-9336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - SINGL
Legal Description	S E HALLS SUB BEG NW COR LT 8 SW 203.75 FT SE 150.66 FT NE TO S LN LT 3 PLATOF CHERRY VALLEY NW TO SW COR SAID LT3 NE 135.71 FT TH NW 118.7 FT TO POB
Legal Subdivision	PLATOF CHERRY VALLEY
Legal Lot Number	8,3
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	1
Census Block	1005
Census Tract	3705

Owner

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	416 W STATE ST, CHERRY VALLEY, IL 61016-9336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 5, 2018	Warranty Deed, Transfer · Conventional with PMI FIRST NTHRN CU
Oct 9, 2017	Deed of Trust, Mortgage · Line of Credit ROCKFORD BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2018 · Amount on Record
Deed Sale	Jun 5, 2018 · Amount on Record
Prior Sale	Jun 5, 2018 · Amount on Record
Deed Document Number	20181015463
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	416 W STATE ST, CHERRY VALLEY, IL 61016-9336
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006504
Date	Mar 27, 2024
Instrument	2406504

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2054

Interest

Rate Type	Fixed Rate
Rate	10.4%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 5, 2018
Property Address	416 W STATE ST, CHERRY VALLEY, IL 61016-9336
Document Number	0001015463
Instrument Date	May 31, 2018
Instrument	1015463
Transaction Type	Transfer
Record Updated	Oct 19, 2018
Title Company	ALLIANCE TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$117.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 W STATE ST CHERRY VALLEY IL 610169336, CHERRY VALLEY, IL 61016-9336

Mortgage

Document Number	1015464
Date	Jun 5, 2018
Instrument	1015464

Lender

Name	FIRST NTHRN CU
Type	Credit Union
Address	CHICAGO, IL 60606

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2048

Interest

Rate Type	Fixed Rate
Rate	5.5%

Mortgage

Document Number	1015796,
Date	Jun 5, 2018
Instrument	1015796

Lender

Name	ILLINOIS HSNG DEV AUTHORITY
Address	CHICAGO, IL 60601

Agreement

Amount	Amount Recorded

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	416 W STATE ST, CHERRY VALLEY, IL 61016-9336
Document Number	0001033829
Instrument Date	Oct 9, 2017
Transaction Type	Mortgage
Record Updated	Nov 1, 2017
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 W STATE ST CHERRY VALLEY IL 610169336, CHERRY VALLEY, IL 61016-9336

Mortgage

Document Number	0001033829
Date	Oct 19, 2017
Instrument	1033829

Lender

Name	ROCKFORD BK&TR
Type	Bank
Address	ROCKFORD, IL 61110-0248

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,716.00	$57,694 (+54.8%) Land $17,227 Building $40,467	$173,082 (+54.8%) Land $51,681 Building $121,401
2022	Homeowner's exemption	$37,270 Land $6,982 Building $30,288	$111,810 Land $20,946 Building $90,864

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 · 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	3 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% 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	CHERRY VALLEY serves 4,731 people · EPA ID IL2010050
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Surf Internet, Verizon.

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