4464 River Rd, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 4464 River Rd, Cherry Valley, IL 61016

Property Summary

Property Type	Rural Home
Details	6 bd · 2 ba · 3,520 sqft · built 1861
Lot Size	2.66 acres (115,870 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Mar 2021)
Tax Bill	$7,181 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`264A032`

Property Details

APN / Parcel Number

Primary APN	`264A032`
Alternative APN	`1612251001`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	7,040 sqft Living Area
1st Floor Area	1,760 sqft
Basement Area	1,760 sqft
Finished Basement	1,760 sqft

Exterior

Year Built	Built 1861
Effective Year Built	Effective 1861
Construction Type	Frame
Roof Material	Asphalt
Lot Area	115,870 sqft
Garage Area	1,368 sqft
Driveway	Driveway
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	4464 RIVER RD
City	CHERRY VALLEY
State	IL
Zip	61016-9636
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AG
Legal Description	BEGN PT E LN RIVER RD 167.11 FT NLY OFS LN NE 1/4 TH E 370.96 FT NELY 232.77 FT NWLY 449.66 FT TO C/L RD SLY ALGC/L RD TO A PT TH 33.01 FT TO POB SEC
Legal Block	12
Legal Lot Number	2
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	3
Census Block	3013
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	2 Individual Names on Record
Mailing Address	4464 RIVER RD, CHERRY VALLEY, IL 61016-9636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage THINK MUTUAL BANK
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BYRON BANK
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage BYRON BANK
Jan 11, 2021	Warranty Deed, Transfer · Conventional Mortgage THINK MUTUAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2021 · Amount on Record
Deed Sale	Mar 5, 2021 · Amount on Record
Prior Sale	Jan 11, 2021 · Amount on Record
Deed Document Number	20217652
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	4464 RIVER RD, CHERRY VALLEY, IL 61016-9636
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023608
Date	Jul 29, 2022
Instrument	2223608

Lender

Name	THINK MUTUAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 15, 2042

Interest

Rate Type	Fixed Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	4464 RIVER RD, CHERRY VALLEY, IL 61016-9636
Transaction Type	Mortgage
Record Updated	Dec 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042744
Date	Nov 29, 2021
Instrument	2142744

Lender

Name	BYRON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	4464 RIVER RD, CHERRY VALLEY, IL 61016-9636
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012265
Date	Apr 12, 2021
Instrument	2112265

Lender

Name	BYRON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jan 11, 2021
Property Address	4464 RIVER RD, CHERRY VALLEY, IL 61016-9636
Document Number	0000001096
Instrument Date	Dec 17, 2020
Instrument	2101096
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4464 RIVER RD, CHERRY VALLEY, IL 61016-9636

Mortgage

Document Number	0000001097
Date	Jan 11, 2021
Instrument	2101097

Lender

Name	THINK MUTUAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
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	$7,181.00	$107,477 (+53.6%) Land $17,228 Building $90,249	$322,431 (+53.6%) Land $51,684 Building $270,747
2022		$69,970 Land $13,201 Building $56,769	$209,910 Land $39,603 Building $170,307

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	2 in force
Nearby Flood Claims	2 (2007–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2010 · Severe Storms And Flooding

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Rise Broadband Fixed Wireless	25 / 5
T-Mobile Fixed Wireless	25 / 3
AT&T Fixed Wireless	25 / 3

May also be available: Xfinity.

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