9709 Cunningham Rd, Winnebago, IL 61088 Property Records

Winnebago County property record for 9709 Cunningham Rd, Winnebago, IL 61088

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,901 sqft · built 1867
Lot Size	7.51 acres (327,136 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (May 2026)
Tax Bill	$5,600 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`513D758`

Property Details

APN / Parcel Number

Primary APN	`513D758`
Alternative APN	`1409476003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,901 sqft Living Area
Gross Area	3,878 sqft
1st Floor Area	1,262 sqft
Basement Area	885 sqft

Exterior

Year Built	Built 1867
Effective Year Built	Effective 1867
Architectural Style	Multi-Level
Construction Type	Frame
Foundation Type	Raised
Lot Area	327,136 sqft
Garage Area	480 sqft
Porch	Enclosed Porch

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	513D758
Street Address	9709 CUNNINGHAM RD
City	WINNEBAGO
State	IL
Zip	61088-9749
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	BEGN PT 946.08 FT W OF SE COR SE 1/4 TH N 1527.65 FT T SLY R/W C+NW RR NWLYALG R/W 213.31 FT S 1546.13 FT E 212.57 FT TO POB SEC SEC: 09 TWP: 026 RANGE
Jurisdiction	WINNEBAGO IL
Township / Civil Division	WINNEBAGO
Census Block Group	3
Census Block	3023
Census Tract	4200

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	9709 CUNNINGHAM RD, WINNEBAGO, IL 61088-9749
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	Nov 25, 1996 · Amount on Record
Deed Document Number	202611949
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	May 14, 2026
Property Address	9709 CUNNINGHAM RD, WINNEBAGO, IL 61088-9749
Document Number	0000011949
Instrument Date	May 13, 2026
Instrument	202611949
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$72,720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9709 CUNNINGHAM RD, WINNEBAGO, IL 61088-9749

Mortgage

Document Number	0000011950,
Date	May 14, 2026
Instrument	202611950

Lender

Name	UNION CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Mortgage

Document Number	0000011951,
Date	May 14, 2026
Instrument	202611951

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate	74%
Max Rate	-1%

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Winnebago Township
Unified School District	Winnebago Community Unit School District 323 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,600.00 (+3%) Homeowner's exemption	$79,973 (+11.06%) Land $25,715 Building $54,258	$239,919 (+11.06%) Land $77,145 Building $162,774
2024	$5,437.00	$72,009 (+18.39%) Land $23,154 Building $48,855	$216,027 (+18.39%) Land $69,462 Building $146,565
2022	Homeowner's exemption	$60,822 Land $19,754 Building $41,068	$182,466 Land $59,262 Building $123,204

Assessed value is set for property tax purposes, not a market price estimate; it is 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	3 in force

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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

May also be available: Silo Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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