Winnebago County property record for 518 W State St, Cherry Valley, IL 61016
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,890 sqft · built 1900 |
| Lot Size | 0.999 acres (43,554 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,312 (2025) |
| Deeds & Mortgages | Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 254A134 |
| Primary APN | 254A134 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,890 sqft Living Area |
| Gross Area | 3,700 sqft |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 810 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 43,554 sqft |
| Driveway | Driveway |
| Deck Area | 328 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 254A134 |
|---|---|
| Street Address | 518 W STATE ST |
| City | CHERRY VALLEY |
| State | IL |
| Zip | 61016-9332 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - SINGL |
| Legal Description | S E HALLS SUB PT EDWARD FITCHS ADD TOCHERRY VALLEY LOT 003 |
| Legal Subdivision | S E HALLS SUB PT EDWARD FITCHS ADD TOCHE |
| Legal Lot Number | 003 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | CHERRY VALLEY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 3705 |
518 W State St is owned and occupied by two individuals.
Source: Winnebago County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 518 W STATE ST, CHERRY VALLEY, IL 61016-9332 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 518 W STATE ST, CHERRY VALLEY, IL 61016-9332 |
| Document Number | 0001017624 |
| Instrument Date | Jun 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 518 W STATE ST CHERRY VALLEY IL 610169332, CHERRY VALLEY, IL 61016-9332 |
| Document Number | 0001017624 |
|---|---|
| Date | Jun 12, 2017 |
| Instrument | 1017624 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 11, 2047 |
The 2025 property tax bill for 518 W State St was $3,312 with exemptions applied.
Source: Winnebago County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,312.00 | $57,074 Land $17,227 Building $39,847 | $171,222 Land $51,681 Building $119,541 |
| 2022 | Homeowner's exemption | $38,877 Land $9,073 Building $29,804 | $116,631 Land $27,219 Building $89,412 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 518 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 risk around 518 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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures