707 Elgin St, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 707 Elgin St, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 961 sqft · built 1998
Lot Size	0.198 acres (8,617 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Aug 2020)
Tax Bill	$2,754 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Jan 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`253A107C`

Property Details

APN / Parcel Number

Primary APN	`253A107C`
Alternative APN	`1601254011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	961 sqft Living Area
1st Floor Area	961 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	8,617 sqft (0.198 acres)
Garage Type	Detached
Driveway	Driveway
Deck Area	296 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	707 ELGIN ST
City	CHERRY VALLEY
State	IL
Zip	61016-9655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	H T CASSIDYS 2ND ADDN TO VILLAGE OF CHERRY VALLEY PT W 1/2 NE1/4 SEC 14-43-2LOT 7
Legal Range	2
Legal Township	43
Legal Section	14
Legal Subdivision	H T CASSIDYS 2ND ADDN TO VILLAGE OF CHER
Legal Lot Number	7
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	2
Census Block	2008
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	707 ELGIN ST, CHERRY VALLEY, IL 61016-9655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2020	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
Jan 4, 2018	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS
Jun 12, 2017	Deed of Trust, Mortgage · Conventional with PMI LEADERONE FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2020 · Amount on Record
Deed Sale	Aug 13, 2020 · Amount on Record
Prior Sale	Jan 4, 2018 · Amount on Record
Deed Document Number	202022841
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 13, 2020
Property Address	707 ELGIN ST, CHERRY VALLEY, IL 61016-9655
Document Number	0001022841
Instrument Date	Aug 10, 2020
Instrument	1022841
Transaction Type	Transfer
Record Updated	May 10, 2021
Title Company	METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 ELGIN ST CHERRY VALLEY IL 610169655, CHERRY VALLEY, IL 61016-9655

Mortgage

Document Number	1022842
Date	Aug 13, 2020
Instrument	1022842

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jan 4, 2018
Property Address	707 ELGIN ST, CHERRY VALLEY, IL 61016-9655
Document Number	0001000408
Instrument Date	Dec 11, 2017
Instrument	1000408
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$138.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	707 ELGIN ST CHERRY VALLEY IL 610169655, CHERRY VALLEY, IL 61016-9655

Mortgage

Document Number	1000409
Date	Jan 4, 2018
Instrument	1000409

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	707 ELGIN ST, CHERRY VALLEY, IL 61016-9655
Document Number	0001020751
Instrument Date	Jun 12, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017
Title Company	PRECISION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 ELGIN ST CHERRY VALLEY IL 610169655, CHERRY VALLEY, IL 61016-9655

Mortgage

Document Number	0001020751
Date	Jul 10, 2017
Instrument	1020751

Lender

Name	LEADERONE FIN'L
Type	Funding / Finance Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2047

Interest

Rate Type	Fixed Rate
Rate	4.87%

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	$2,754.00	$44,309 (+39.51%) Land $11,484 Building $32,825	$132,927 (+39.51%) Land $34,452 Building $98,475
2022	Homeowner's exemption	$31,760 Land $6,982 Building $24,778	$95,280 Land $20,946 Building $74,334

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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