Winnebago County property record for 7040 River Rd, Cherry Valley, IL 61016
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 1 ba · 1,587 sqft · built 1973 |
| Lot Size | 5.01 acres (218,236 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $77,500 (Jul 2002) |
| Tax Bill | $4,804 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Feb 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 1625200001 |
| Primary APN | 1625200001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,587 sqft Living Area |
| Gross Area | 3,022 sqft |
| 1st Floor Area | 1,587 sqft |
| Basement Area | 1,435 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 218,236 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 7040 RIVER RD |
|---|---|
| City | CHERRY VALLEY |
| State | IL |
| Zip | 61016-9628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | AG |
| Legal Description | BEGN AT C/L RIVER RD AS NOW LAID OUT AT N LN NE 1/4 TH E 334.29 FT S 500 FTW 515.41 FT TO C/L RIVER RD TH NLY ALGC/L TO POB PT NE 1/4 SEC SEC: 25 TWP: |
| Legal Block | 25 |
| Legal Lot Number | 2 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | CHERRY VALLEY |
| Census Block Group | 3 |
| Census Block | 3075 |
| Census Tract | 3705 |
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 | 7040 RIVER RD, CHERRY VALLEY, IL 61016-9628 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 9, 2025 | Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK |
| Feb 8, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2002 · Amount on Record |
| Deed Sale | Jul 25, 2002 · Amount on Record |
| Deed Document Number | 2002252311 |
| Last Transfer Date | Feb 3, 2023 |
| Transfer Doc | 0000002796 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 7040 RIVER RD, CHERRY VALLEY, IL 61016-9628 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000031973 |
|---|---|
| Date | Dec 9, 2025 |
| Instrument | 2531973 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 2, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Feb 8, 2023 |
| Property Address | 7040 RIVER RD, CHERRY VALLEY, IL 61016-9628 |
| Document Number | 0000002796 |
| Instrument Date | Feb 6, 2023 |
| Instrument | 2302796 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7040 RIVER RD, CHERRY VALLEY, IL 61016-9628 |
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 | Hiawatha Community Unit School District 426 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,804.00 | $63,016 (+35.23%) Land $25,830 Building $37,186 | $189,048 (+35.23%) Land $77,490 Building $111,558 |
| 2022 | Homeowner's exemption | $46,599 Land $19,793 Building $26,806 | $139,797 Land $59,379 Building $80,418 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 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 |
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