Winnebago County property record for 4545 River Rd, Cherry Valley, IL 61016
| Property Type | Farm - Irrigated or Dry |
|---|---|
| Details | 2,204 sqft · built 1993 |
| Lot Size | 7 acres (304,920 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (May 2019) |
| Tax Bill | $8,132 (2025) |
| Deeds & Mortgages | Sep 2026 Transfer May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1612400001 |
| Primary APN | 1612400001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 3,704 sqft Gross Area |
| 1st Floor Area | 2,204 sqft |
| Basement Area | 1,500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 304,920 sqft |
| Garage Area | 816 sqft |
| Driveway | Driveway |
| Deck Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 264 755 |
|---|---|
| Street Address | 4545 RIVER RD |
| City | CHERRY VALLEY |
| State | IL |
| Zip | 61016-9635 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > Farm - Irrigated or Dry |
| Local Zoning Code | AG |
| Legal Description | BEGN C/L RIVER ROAD AT A POINT 1137.84FT N OF S LINE N1/2 S1/2 SEC TH SLY ALONG C/L 285.59 FT W 349.53 FT SLY 140.73 FT WLY 314.63 FT NWLY 532.95 FT TH |
| Legal Block | 12 |
| Legal Lot Number | 285 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | CHERRY VALLEY |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 3705 |
Source: Winnebago County records, as of September 18, 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 | 4545 RIVER RD, CHERRY VALLEY, IL 61016-9635 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 4, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| May 24, 2019 | Warranty Deed, Transfer · Conventional with PMI ACADEMY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2019 · Amount on Record |
| Deed Sale | May 24, 2019 · Amount on Record |
| Prior Sale | Jul 19, 2005 · Amount on Record |
| Deed Document Number | 20191017933 |
| Last Transfer Date | Apr 2, 2026 |
| Transfer Doc | 0000023618 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Sep 4, 2026 |
| Property Address | 4545 RIVER RD, CHERRY VALLEY, IL 61016-9635 |
| Document Number | 0000023618 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 202623618 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4545 RIVER RD, CHERRY VALLEY, IL 61016-9635 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | May 24, 2019 |
| Property Address | 4545 RIVER RD, CHERRY VALLEY, IL 61016-9635 |
| Document Number | 0001017933 |
| Instrument Date | May 23, 2019 |
| Instrument | 1017933 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2019 |
| Title Company | TITLE UNDERWRITERS AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $615.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4545 RIVER RD CHERRY VALLEY IL 610169635, CHERRY VALLEY, IL 61016-9635 |
| Document Number | 1017934 |
|---|---|
| Date | May 24, 2019 |
| Instrument | 1017934 |
| Name | ACADEMY MTG |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 23, 2049 |
| Rate Type | Fixed Rate |
|---|
Source: Winnebago County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Winnebago County |
| County Subdivision | Cherry Valley Township |
| Unified School District | Rockford School District 205 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,132.00 | $127,152 (+30.71%) Land $6,813 Building $120,339 | $381,456 (+30.71%) Land $20,439 Building $361,017 |
| 2022 | Homeowner's exemption | $97,278 Land $5,067 Building $92,211 | $291,834 Land $15,201 Building $276,633 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% 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.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| Rise Broadband Fixed Wireless | 25 / 5 |
| AT&T Fixed Wireless | 25 / 3 |
| T-Mobile Fixed Wireless | 25 / 3 |
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