Winnebago County property record for 6109 Elderberry Ln, Cherry Valley, IL 61016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,147 sqft · built 1977 |
| Lot Size | 0.697 acres (30,360 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $157,000 (Jul 2016) |
| Tax Bill | $4,949 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Jul 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 274B043 |
| Primary APN | 274B043 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,147 sqft Living Area |
| Gross Area | 3,897 sqft |
| 1st Floor Area | 1,182 sqft |
| Basement Area | 750 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 30,360 sqft (0.697 acres) |
| Garage Area | 567 sqft |
| Driveway | Driveway |
| Deck Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 274B043 |
|---|---|
| Street Address | 6109 ELDERBERRY LN |
| City | CHERRY VALLEY |
| State | IL |
| Zip | 61016-9746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | PLAT 4 OF THORNE LEDGE PT W 3/4 OF NW1/4 SEC 22-43-2 LOT 033 |
| Legal Range | 2 |
| Legal Township | 43 |
| Legal Section | 22 |
| Legal Subdivision | THORNE LEDGE 4 |
| Legal Lot Number | 033 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | CHERRY VALLEY |
| Census Block Group | 3 |
| Census Block | 3037 |
| Census Tract | 3705 |
6109 Elderberry Ln is owned and occupied by two individuals who bought it in July 2016.
Source: Winnebago County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6109 ELDERBERRY LN, CHERRY VALLEY, IL 61016-9746 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 5, 2024 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERSALLIANCE CU |
| Jul 19, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jan 6, 2022 | Deed of Trust, Mortgage · FHA Mortgage NORTHWEST BANK ROCKFORD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2016 · Amount on File |
| Deed Sale | Jul 26, 2016 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 6109 ELDERBERRY LN, CHERRY VALLEY, IL 61016-9746 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2024 |
| Title Company | MAGNUS TITLE AGENCY, MTA |
| Name | Verified Name |
|---|
| Document Number | 0000007333 |
|---|---|
| Date | Apr 5, 2024 |
| Instrument | 2407333 |
| Name | MEMBERSALLIANCE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 1, 2034 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 6109 ELDERBERRY LN, CHERRY VALLEY, IL 61016-9746 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000016045 |
|---|---|
| Date | Jul 19, 2023 |
| Instrument | 2316045 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 18, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 6109 ELDERBERRY LN, CHERRY VALLEY, IL 61016-9746 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Title Company | SECURITY FIRST TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000000632 |
|---|---|
| Date | Jan 6, 2022 |
| Instrument | 2200632 |
| Name | NORTHWEST BANK ROCKFORD |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jan 1, 2052 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 6109 Elderberry Ln was $4,949 with a homeowner's exemption, up 4.9% from the year before.
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 | $4,949.00 (+4.92%) Homeowner's exemption | $75,934 (+10.55%) Land $11,484 Building $64,450 | $227,802 (+10.55%) Land $34,452 Building $193,350 |
| 2024 | $4,717.00 | $68,687 Land $10,388 Building $58,299 | $206,061 Land $31,164 Building $174,897 |
| 2022 | Homeowner's exemption | $58,199 Land $8,800 Building $49,399 | $174,597 Land $26,400 Building $148,197 |
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.
FEMA maps place 6109 Elderberry Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.
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 risk around 6109 Elderberry Ln 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 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 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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