6350 Cotswold Ln, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 6350 Cotswold Ln, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 5,120 sqft · built 1979
Lot Size	0.594 acres (25,874 sqft)
Owner	Individual Name on File
Last Sale	$218,900 (Sep 2017)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`274B092C`

Property Details

APN / Parcel Number

Primary APN	`274B092C`
Alternative APN	`1622177006`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	5,120 sqft Living Area
1st Floor Area	1,382 sqft
Basement Area	1,382 sqft
Finished Basement	1,382 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Frame
Roof Material	Asphalt
Lot Area	25,874 sqft (0.594 acres)
Garage Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	274B092C
Street Address	6350 COTSWOLD LN
City	CHERRY VALLEY
State	IL
Zip	61016-9751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	THORNE LEDGE ANNEX PT NW1/4 SEC 22-43-2 NLY TRI TR LT 8 MEAS 13 FT ON E LN ALSO THORNE LEDGE NO 5 PT NW1/4 SEC 22-43-2 LOT 71
Legal Range	2
Legal Township	43
Legal Section	22
Legal Subdivision	THORNE LEDGE ANNEX
Legal Tract	LT
Legal Lot Number	8
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	3
Census Block	3037
Census Tract	3705

Owner

6350 Cotswold Ln is owned and occupied by an individual who bought it in September 2017.

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

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

Owner of Record	Individual Name on File
Mailing Address	6350 COTSWOLD LN, CHERRY VALLEY, IL 61016-9751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage · VA Mortgage NEW ERA LENDING LLC
Jul 30, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT
Dec 20, 2017	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
Sep 26, 2017	Warranty Deed, Transfer · VA Mortgage NORTHWEST BK/ROCKFORD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2017 · Amount on File
Deed Sale	Sep 26, 2017 · Amount on File
Prior Sale	Jun 1, 2004 · Amount on File
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	6350 COTSWOLD LN, CHERRY VALLEY, IL 61016-9751
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030514
Date	Nov 20, 2025
Instrument	2530514

Lender

Name	NEW ERA LENDING LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	5.5%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	6350 COTSWOLD LN, CHERRY VALLEY, IL 61016-9751
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026736
Date	Jul 30, 2021
Instrument	2126736

Lender

Name	VILLAGE CAPITAL & INVESTMENT
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	6350 COTSWOLD LN, CHERRY VALLEY, IL 61016-9751
Document Number	0001000306
Instrument Date	Dec 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 30, 2018
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6350 COTSWOLD LN CHERRY VALLEY IL 610169751, CHERRY VALLEY, IL 61016-9751

Mortgage

Document Number	0001000306
Date	Jan 3, 2018
Instrument	1000306

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2048

Interest

Rate Type	Fixed Rate
Rate	3.75%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 26, 2017
Property Address	6350 COTSWOLD LN, CHERRY VALLEY, IL 61016-9751
Document Number	0001030685
Instrument Date	Sep 22, 2017
Instrument	1030685
Transaction Type	Transfer
Record Updated	Oct 10, 2017
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6350 COTSWOLD LN CHERRY VALLEY IL 610169751, CHERRY VALLEY, IL 61016-9751

Mortgage

Document Number	1030686
Date	Sep 26, 2017
Instrument	1030686

Lender

Name	NORTHWEST BK/ROCKFORD
Type	Bank
Address	ROCKFORD, IL 61103

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2047

Interest

Rate	5%

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		$100,782 Land $11,484 Building $89,298	$302,346 Land $34,452 Building $267,894
2022	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$75,632 Land $8,800 Building $66,832	$226,896 Land $26,400 Building $200,496

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 6350 Cotswold 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

Wildfire risk around 6350 Cotswold 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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