5123 River Rd, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 5123 River Rd, Cherry Valley, IL 61016

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 977 sqft · built 1953
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on Record
Last Sale	$93,000 (Dec 2017)
Tax Bill	$3,058 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage Dec 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`1613100004`

Property Details

APN / Parcel Number

Primary APN	`1613100004`
Alternative APN	`265 253`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,954 sqft Living Area
1st Floor Area	977 sqft
Basement Area	977 sqft
Finished Basement	977 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	27,878 sqft (0.64 acres)
Driveway	Driveway
Deck Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	265 253
Street Address	5123 RIVER RD
City	CHERRY VALLEY
State	IL
Zip	61016-9631
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AG
Legal Description	BEGN C/L RD 267 FT PERPENDICULARLY DISTANT FROM C/L IC MAIN TRACK TH SWLY ALG C/L RD 80 FT NWLY 350FT TH NELY 80FTTH SELY 350FT TO P O B PT NW /4 SEC:
Legal Block	13
Legal Lot Number	2
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	3
Census Block	3011
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	1629 IPSEN RD, BELVIDERE, IL 61008-8446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2017	Warranty Deed, Transfer · Conventional Mortgage BLACKHAWK BK
Dec 6, 2017	Quit Claim Deed, Transfer TITLE UNDERWRITERS AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2017 · Amount on Record
Deed Sale	Dec 6, 2017 · Amount on Record
Prior Sale	Jul 10, 2002 · Amount on Record
Record Updated	Oct 29, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 6, 2017
Property Address	5123 RIVER RD, CHERRY VALLEY, IL 61016-9631
Document Number	0001039266
Instrument Date	Nov 30, 2017
Instrument	1039266
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$139.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1629 IPSEN RD BELVIDERE IL 610088446, BELVIDERE, IL 61008-8446

Mortgage

Document Number	1039267
Date	Dec 6, 2017
Instrument	1039267

Lender

Name	BLACKHAWK BK
Type	Bank
Address	BELOIT, WI 53511

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2047

Interest

Rate	4.75%

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Dec 6, 2017
Property Address	5123 RIVER RD, CHERRY VALLEY, IL 61016-9631
Document Number	0001039265
Instrument Date	Nov 29, 2017
Instrument	1039265
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5123 RIVER RD CHERRY VALLEY IL 610169631, CHERRY VALLEY, IL 61016-9631

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	$3,058.00	$49,683 (+36.94%) Land $11,484 Building $38,199	$149,049 (+36.94%) Land $34,452 Building $114,597
2022	Homeowner's exemption	$36,281 Land $8,800 Building $27,481	$108,843 Land $26,400 Building $82,443

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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