7509 Sumac Ln, Cherry Valley, IL 61016 Property Records

Winnebago County property record for 7509 Sumac Ln, Cherry Valley, IL 61016

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,220 sqft · built 1984
Lot Size	0.423 acres (18,402 sqft)
Owner	2 Trust Names on Record
Tax Bill	$5,216 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`263A155`

Property Details

APN / Parcel Number

Primary APN	`263A155`
Alternative APN	`1611202001`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,220 sqft Living Area
1st Floor Area	1,610 sqft
Basement Area	1,610 sqft
Finished Basement	1,610 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Frame
Roof Material	Asphalt
Lot Area	18,402 sqft (0.423 acres)
Garage Area	606 sqft
Driveway	Driveway
Deck Area	356 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	263A155
Street Address	7509 SUMAC LN
City	CHERRY VALLEY
State	IL
Zip	61016-9780
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PLAT NO 2 VALLEY VIEW SOUTH BNG SUB N1/2 SEC 11-43-2 LOT 55
Legal Range	2
Legal Township	43
Legal Section	11
Legal Subdivision	PLAT NO 2 VALLEY VIEW SOUTH
Legal Lot Number	55
Jurisdiction	WINNEBAGO IL
Township / Civil Division	CHERRY VALLEY
Census Block Group	5
Census Block	5005
Census Tract	3705

Owner

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	2 Trust Names on Record
Mailing Address	7509 SUMAC LN, CHERRY VALLEY, IL 61016-9780
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage BLACKHAWK BANK
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Jan 13, 2020	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BK NA
May 6, 2019	Deed of Trust, Mortgage · Line of Credit BLACKHAWK BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	7509 SUMAC LN, CHERRY VALLEY, IL 61016-9780
Transaction Type	Mortgage
Record Updated	Aug 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018243
Date	Aug 11, 2023
Instrument	2318243

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2053

Interest

Rate Type	Fixed Rate
Rate	11%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	7509 SUMAC LN, CHERRY VALLEY, IL 61016-9780
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046790
Date	Dec 30, 2021
Instrument	2146790

Lender

Name	BLACKHAWK BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 21, 2031

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	7509 SUMAC LN, CHERRY VALLEY, IL 61016-9780
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021218
Date	Jun 18, 2021
Instrument	2121218

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 16, 2051

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	7509 SUMAC LN, CHERRY VALLEY, IL 61016-9780
Document Number	0001002019
Instrument Date	Jan 13, 2020
Transaction Type	Mortgage
Record Updated	Jan 31, 2020
Title Company	INGEO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	7509 SUMAC LN CHERRY VALLEY IL 610169780, CHERRY VALLEY, IL 61016-9780

Mortgage

Document Number	0001002019
Date	Jan 22, 2020
Instrument	1002019

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.05%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	7509 SUMAC LN, CHERRY VALLEY, IL 61016-9780
Document Number	0001017994
Instrument Date	May 6, 2019
Transaction Type	Mortgage
Record Updated	Jun 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	7509 SUMAC LN CHERRY VALLEY IL 610169780, CHERRY VALLEY, IL 61016-9780

Mortgage

Document Number	0001017994
Date	May 24, 2019
Instrument	1017994

Lender

Name	BLACKHAWK BK
Type	Bank
Address	ROCKFORD, IL 61107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 23, 2039

Interest

Rate Type	Adjustable Rate

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	$5,216.00	$83,556 (+36.55%) Land $11,484 Building $72,072	$250,668 (+36.55%) Land $34,452 Building $216,216
2022	Homeowner's exemption	$61,190 Land $10,677 Building $50,513	$183,570 Land $32,031 Building $151,539

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	7 (1978–1999)
Most Recent Claim	Jun 1999 · river or lake 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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHERRY VALLEY serves 4,731 people · EPA ID IL2010050
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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