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

Winnebago County property record for 417 W State St, Cherry Valley, IL 61016

Property Summary

Property TypeSingle Family Home
Details2 ba · 3,225 sqft · built 1933
Lot Size0.38 acres (16,553 sqft)
OwnerIndividual Name on Record
Last Sale$120,000 (May 2022)
Deeds & MortgagesFeb 2023 Sale & Mortgage
May 2022 Sale
Flood ZoneZone X (minimal risk)
APN16-01-102-004

Property Details

APN / Parcel Number

Primary APN16-01-102-004
Alternative APN
  • 253B055

Interior

Full Baths2 Baths
Stories2 Stories
Building Area3,225 sqft Living Area
1st Floor Area2,094 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1933
Construction TypeFrame
Roof MaterialAsphalt
Lot Area16,553 sqft (0.38 acres)
Garage Area528 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemGas

Location & Zoning

Old Parcel Number253B055
Street Address417 W STATE ST
CityCHERRY VALLEY
StateIL
Zip61016-9335
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1 - SINGLE FAM
Legal DescriptionPLT OF CHERRY VALLEY S198FT W82.5FT OFBLK 010
Legal Township02N
Legal Block10
JurisdictionWINNEBAGO IL
Township / Civil DivisionCHERRY VALLEY
Census Block Group1
Census Block1009
Census Tract3705

Owner

Source: Winnebago County records, as of August 7, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address417 W STATE ST, CHERRY VALLEY, IL 61016-9335
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 15, 2023Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
May 4, 2022Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 4, 2022 · Amount on Record
Deed SaleMay 4, 2022 · Amount on Record
Prior SaleMay 4, 2022 · Amount on Record
Deed Document Number0000014231
Last Transfer DateFeb 15, 2023
Transfer Doc0000003332
Record UpdatedJun 7, 2026

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINNEBAGO IL
Recording DateFeb 15, 2023
Property Address417 W STATE ST, CHERRY VALLEY, IL 61016-9335
Document Number0000003332
Map ReferenceBKN PG346
Instrument DateFeb 7, 2023
Instrument2303332
Transaction TypeTransfer
Record UpdatedMar 8, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$360.00
Amount AccuracyCalculated from Transfer Tax

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address417 W STATE ST, CHERRY VALLEY, IL 61016-9335
InvestorPossibly a Property Investor

Mortgage

Document Number0000003333
DateFeb 15, 2023
Instrument2303333
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2053
Interest
Rate TypeFixed Rate
Rate7.13%

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINNEBAGO IL
Recording DateMay 4, 2022
Property Address417 W STATE ST, CHERRY VALLEY, IL 61016-9335
Document Number0000014231
Instrument DateMay 2, 2022
Instrument2214231
Transaction TypeTransfer
Record UpdatedJun 1, 2022

Transaction

AmountAmount Recorded
Tax$180.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address417 W STATE ST, CHERRY VALLEY, IL 61016-9335

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of January 1, 2022

Property Jurisdictions

TypeName
StateIllinois
MunicipalityCherry Valley Village
CountyWinnebago County
County SubdivisionCherry Valley Township
Unified School DistrictRockford School District 205 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2022Homeowner's exemption$55,036 Land $6,982 Building $48,054$165,108 Land $20,946 Building $144,162

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 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 RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemCHERRY VALLEY
serves 4,731 people · EPA ID IL2010050
Water SourceGroundwater
Last State InspectionDec 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityRadium
resolved · Jul 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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