9977 Cunningham Rd, Winnebago, IL 61088 Property Records

Winnebago County property record for 9977 Cunningham Rd, Winnebago, IL 61088

Property Summary

Property Type	Rural Home
Details	2 bd · 1.5 ba · 3,502 sqft · built 1972
Lot Size	1.18 acres (51,836 sqft)
Owner	Company Name on Record
Tax Bill	$7,099 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`513D754A`

Property Details

APN / Parcel Number

Primary APN	`513D754A`
Alternative APN	`1409451003`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,502 sqft Living Area
1st Floor Area	1,751 sqft
Basement Area	1,751 sqft
Finished Basement	1,751 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Frame
Lot Area	51,836 sqft
Garage Area	571 sqft
Driveway	Driveway
Deck Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	513D754A
Street Address	9977 CUNNINGHAM RD
City	WINNEBAGO
State	IL
Zip	61088-8303
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S 316.9 FT W 164 FT SE 1/4 SEC SEC: 09TWP: 026 RANGE: 011 ACRES: 1.19
Jurisdiction	WINNEBAGO IL
Township / Civil Division	WINNEBAGO
Census Block Group	3
Census Block	3033
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	Company Name on Record
Mailing Address	9977 CUNNINGHAM RD, WINNEBAGO, IL 61088-8303
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2020	Deed of Trust, Mortgage · Line of Credit GERMAN AMERICAN ST BK
Apr 26, 2019	Deed of Trust, Mortgage · Line of Credit GERMAN AMERICAN ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	9977 CUNNINGHAM RD, WINNEBAGO, IL 61088-8303
Document Number	0001023389
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	9977 CUNNINGHAM RD WINNEBAGO IL 610888303, WINNEBAGO, IL 61088-8303

Mortgage

Document Number	0001023389
Date	Aug 18, 2020
Instrument	1023389

Lender

Name	GERMAN AMERICAN ST BK
Address	GERMAN VALLEY, IL 61039

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.25%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	9977 CUNNINGHAM RD, WINNEBAGO, IL 61088-8303
Document Number	0001015931
Instrument Date	Apr 26, 2019
Transaction Type	Mortgage
Record Updated	Jun 19, 2019
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	9977 CUNNINGHAM RD WINNEBAGO IL 610888303, WINNEBAGO, IL 61088-8303

Mortgage

Document Number	0001015931
Date	May 8, 2019
Instrument	1015931

Lender

Name	GERMAN AMERICAN ST BK
Address	GERMAN VALLEY, IL 61039

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.49%

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
Municipality	Winnebago Village
Unified School District	Winnebago Community Unit School District 323 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,099.00	$91,812 (+31.48%) Land $13,800 Building $78,012	$275,436 (+31.48%) Land $41,400 Building $234,036
2022	Homeowner's exemption	$69,827 Land $10,602 Building $59,225	$209,481 Land $31,806 Building $177,675

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	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 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	WINNEBAGO serves 2,940 people · EPA ID IL2010500
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 261 locations within half a mile, as of December 31, 2025

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

May also be available: AaroBand.

Cell Coverage

5G (outdoors only) and 4G LTE

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