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

Winnebago County property record for 513 W State St, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,820 sqft · built 1900
Lot Size	0.454 acres (19,782 sqft)
Owner	Individual Name on File
Last Sale	$77,200 (Jun 2010)
Tax Bill	$3,499 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`253B070`

Property Details

APN / Parcel Number

Primary APN	`253B070`
Alternative APN	`1602226003`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,820 sqft Living Area
Gross Area	3,564 sqft
1st Floor Area	1,224 sqft
Basement Area	744 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Roof Material	Asphalt
Lot Area	19,782 sqft (0.454 acres)
Driveway	Driveway
Deck Area	177 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	253B070
Street Address	513 W STATE ST
City	CHERRY VALLEY
State	IL
Zip	61016-9331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - SINGL
Legal Description	PLAT OF CHERRY VALLEY EXC NPT TO STATELOT 2 + ALL LOT 009 BLOCK 014
Legal Subdivision	PLAT OF CHERRY VALLEY
Legal Block	014
Legal Lot Number	009
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	1
Census Block	1005
Census Tract	3705

Owner

513 W State St is owned and occupied by an individual who bought it in June 2010.

Source: Winnebago County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	513 W STATE ST, CHERRY VALLEY, IL 61016-9331
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NORTHERN CU
Apr 14, 2020	Deed of Trust, Construction Loan · Construction Mortgage FIRST NTHRN CU
Apr 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NTHRN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2010 · Amount on File
Deed Sale	Jun 30, 2010 · Amount on File
Deed Document Number	201025253
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	513 W STATE ST, CHERRY VALLEY, IL 61016-9331
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009860
Date	Mar 23, 2021
Instrument	2109860

Lender

Name	FIRST NORTHERN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	Apr 14, 2020
Property Address	513 W STATE ST, CHERRY VALLEY, IL 61016-9331
Document Number	0001009688
Instrument Date	Apr 10, 2020
Instrument	1009688
Transaction Type	Construction Loan
Record Updated	Jun 2, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 W STATE ST CHERRY VALLEY IL 610169331, CHERRY VALLEY, IL 61016-9331

Mortgage

Document Number	0001009688
Date	Apr 14, 2020
Instrument	1009688

Lender

Name	FIRST NTHRN CU
Type	Credit Union
Address	CHICAGO, IL 60606

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 13, 2021

Interest

Rate Type	Fixed Rate
Rate	3.25%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	513 W STATE ST, CHERRY VALLEY, IL 61016-9331
Document Number	0001013618
Instrument Date	Apr 19, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 W STATE ST CHERRY VALLEY IL 610169331, CHERRY VALLEY, IL 61016-9331

Mortgage

Document Number	0001013618
Date	Apr 25, 2019
Instrument	1013618

Lender

Name	FIRST NTHRN CU
Type	Credit Union
Address	CHICAGO, IL 60606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 24, 2039

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 513 W State St was $3,499.

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

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Cherry Valley Village
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	$3,499.00	$48,673 Land $11,484 Building $37,189	$146,019 Land $34,452 Building $111,567
2022		$38,003 Land $9,073 Building $28,930	$114,009 Land $27,219 Building $86,790

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

FEMA maps place 513 W State St in Zone X, an area of minimal flood risk.

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	3 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

Wildfire risk around 513 W State St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHERRY VALLEY serves 4,731 people · EPA ID IL2010050
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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

Provider	Max 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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