614 Elgin St, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 614 Elgin St, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,440 sqft · built 1936
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Jul 2026)
Tax Bill	$2,945 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1601202017`

Property Details

APN / Parcel Number

Primary APN	`1601202017`
Alternative APN	`1601202007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Area	252 sqft
Driveway	Driveway
Deck Area	444 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	1601202007
Street Address	614 ELGIN ST
City	CHERRY VALLEY
State	IL
Zip	61016-9406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - SINGL
Legal Description	BEG NW COR LT 1 JAMISON SUB S 150.26 FT SW 74 FT N 61 FT NW 5.22 FT N 71.43FT TH NE TO POB PT NW1/4 NE1/4 SEC 1-43-2 .25A
Legal Range	2
Legal Township	43
Legal Section	1
Legal Subdivision	JAMISON SUB
Legal Lot Number	1
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	2
Census Block	2003
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	Individual Name on Record
Mailing Address	614 ELGIN ST, CHERRY VALLEY, IL 61016-9406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Apr 3, 2023	Warranty Deed, Transfer · Conventional Mortgage BLACKHAWK BANK
Aug 11, 2021	Quit Claim Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2026 · Amount on Record
Deed Sale	Jul 10, 2026 · Amount on Record
Prior Sale	Apr 3, 2023 · Amount on Record
Deed Document Number	202617587
Prior Transfer Date	Jul 8, 2026
Prior Transfer Doc	0000017587
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jul 10, 2026
Property Address	614 ELGIN ST, CHERRY VALLEY, IL 61016-9406
Document Number	0000017587
Instrument Date	Jul 8, 2026
Instrument	202617587
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$27,270.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 ELGIN ST, CHERRY VALLEY, IL 61016-9406

Mortgage

Document Number	0000017588,
Date	Jul 10, 2026
Instrument	202617588

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.88%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000017589,
Date	Jul 10, 2026
Instrument	202617589

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Aug 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Apr 3, 2023
Property Address	614 ELGIN ST, CHERRY VALLEY, IL 61016-9406
Document Number	0000006823
Instrument Date	Mar 31, 2023
Instrument	2306823
Transaction Type	Transfer
Record Updated	Apr 19, 2023
Title Company	TULSA ABSTRACT AND TITLE COMPANY, TUA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 ELGIN ST, CHERRY VALLEY, IL 61016-9406

Mortgage

Document Number	0000006824
Date	Apr 3, 2023
Instrument	2306824

Lender

Name	BLACKHAWK BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Mortgage

Document Number	0000006825
Date	Apr 3, 2023
Instrument	2306825

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 1, 2028

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 11, 2021
Property Address	614 ELGIN ST, CHERRY VALLEY, IL 61016-9406
Document Number	0000028377
Instrument Date	Aug 5, 2021
Instrument	2128377
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 ELGIN ST, CHERRY VALLEY, IL 61016-9406

Mortgage

Document Number	0000028378
Date	Aug 11, 2021
Instrument	2128378

Lender

Name	MIDLAND STATES BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.5%

Tax Assessment & Valuation

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	$2,945.00 (+5.52%)	$46,972 (+10.55%) Land $11,484 Building $35,488	$140,916 (+10.55%) Land $34,452 Building $106,464
2024	$2,791.00	$42,489 (+24.45%) Land $10,388 Building $32,101	$127,467 (+24.45%) Land $31,164 Building $96,303
2022	Homeowner's exemption	$34,141 Land $6,982 Building $27,159	$102,423 Land $20,946 Building $81,477

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	3 (1994–2007)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2007 · rainfall accumulation

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	Not rated no burnable land within 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 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Surf Internet.

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