Winnebago County property record for 4296 River Rd, Cherry Valley, IL 61016 · Last verified August 2026
| Property Type | Residential > Single Family > Rural Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1988 |
| Square Footage | 3,780 sqft Living Area |
| Lot Size | 3.38 acres |
| Garage | 980 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $8,318.00 (2025) |
| Primary APN | 1612231017 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,780 sqft Living Area |
| 1st Floor | 1,890 sqft 1st Floor |
| Basement Area | 1,890 sqft Basement |
| Finished Basement | 1,890 sqft Finished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Brick Exterior |
| Roof Material | Asphalt Roof |
| Lot Area | 147,668 sqft |
| Driveway | Driveway |
| Garage Area | 980 sqft Garage |
| Deck Area | 144 sqft Deck |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Gas Heating Fuel |
| Street Address | 4296 RIVER RD |
|---|---|
| City | CHERRY VALLEY |
| State | IL |
| Zip | 61016-9636 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Rural Home |
| Legal Description | COMM NW COR SE 1/4 NE 1/4 TH E 430 FTSW 138.71 FT TO POB TH SW 248.43 FT W749.04 FT TO C/L RIVER RD NW 268.38 FTTH E 671.9 FT TO POB PT NE 1/4 SEC 12 |
| Jurisdiction | WINNEBAGO IL |
| Minor Civil Division | CHERRY VALLEY |
| Census Blockgroup | 3 |
| Census Block | 3013 |
| Census Tract | 3705 |
Source: Winnebago County records · APN 1612231017
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 | Company Name on File |
|---|---|
| Mailing Address | 4296 RIVER RD, CHERRY VALLEY, IL 61016-9636 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Vesting | Owner is a Trust, Trust |
| Date | Document |
|---|---|
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STILLMAN BANCORP |
| Jul 25, 2018 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 4296 RIVER RD, CHERRY VALLEY, IL 61016-9636 |
| Document Number | 0001037751 |
| Instrument Date | Nov 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 4296 RIVER RD CHERRY VALLEY IL 610169636, CHERRY VALLEY, IL 61016-9636 |
| Document Number | 0001037751 |
|---|---|
| Date | Dec 08, 2020 |
| Instrument | 1037751 |
| Name | STILLMAN BANCORP |
|---|---|
| Type | Mortgage Company |
| Address | STILLMAN VALLEY, IL 61084 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 07, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 4296 RIVER RD, CHERRY VALLEY, IL 61016-9636 |
| Document Number | 0001022679 |
| Instrument Date | Jul 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 03, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 4296 RIVER RD CHERRY VALLEY IL 610169636, CHERRY VALLEY, IL 61016-9636 |
| Document Number | 0001022679 |
|---|---|
| Date | Aug 08, 2018 |
| Instrument | 1022679 |
| Name | JPMORGAN CHASE BK NA |
|---|---|
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 07, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
Source: Winnebago County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Winnebago County |
| County Subdivision | Cherry Valley Township |
| Unified School District | Rockford School District 205 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,318.00 | $128,538 (+30.4%) Land $25,830 Building $102,708 | $385,614 (+30.4%) Land $77,490 Building $308,124 |
| 2022 | Homeowner's exemption | $98,572 Land $19,793 Building $78,779 | $295,716 Land $59,379 Building $236,337 |
4296 River Rd 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 6th percentile of exposed land nationally · 38th 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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