5369 River Rd, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 5369 River Rd, Cherry Valley, IL 61016

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 4,968 sqft · built 1932
Lot Size	2.01 acres (87,991 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,206 (2025)
Deeds & Mortgages	May 2021 Mortgage Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1613100009`

Property Details

APN / Parcel Number

Primary APN	`1613100009`
Alternative APN	`265 256`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,968 sqft Living Area
Gross Area	6,408 sqft
1st Floor Area	2,064 sqft
Basement Area	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	87,991 sqft
Driveway	Driveway
Deck Area	468 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	265 256
Street Address	5369 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	COMM AT THE SW COR NW 1/4 TH E 1283.17FT TO C/L RIVER RD TH NELY ALG SAID C/L 563.75 FT TO POB TH NWLY 240.82 FTNELY 366.02 FT SELY 239.07 FT TO C/L S
Legal Block	13
Legal Lot Number	2
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	3
Census Block	3016
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	5369 RIVER RD, CHERRY VALLEY, IL 61016-9631
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ILLINOIS BANK & TRUST
Nov 8, 2019	Deed of Trust, Mortgage · Line of Credit ROCKFORD BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	5369 RIVER RD, CHERRY VALLEY, IL 61016-9631
Transaction Type	Mortgage
Record Updated	Jun 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015657
Date	May 5, 2021
Instrument	2115657

Lender

Name	ILLINOIS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	5369 RIVER RD, CHERRY VALLEY, IL 61016-9631
Document Number	0001037824
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Dec 6, 2019
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5369 RIVER RD CHERRY VALLEY IL 610169631, CHERRY VALLEY, IL 61016-9631

Mortgage

Document Number	0001037824
Date	Nov 13, 2019
Instrument	1037824

Lender

Name	ROCKFORD BK&TR
Type	Bank
Address	ROCKFORD, IL 61110-0248

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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	$5,206.00	$96,289 (+57.92%) Land $17,228 Building $79,061	$288,867 (+57.92%) Land $51,684 Building $237,183
2022	Homeowner's exemption	$60,974 Land $13,201 Building $47,773	$182,922 Land $39,603 Building $143,319

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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.

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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