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Rural ResidenceResidential
$251,378$84 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 83How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

4282 RIVER RD

CHERRY VALLEY, IL 61016
4
Beds
2
Baths
2,975 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
5 ac
Lot SizeThe size of the land the home sits on, from county records.
1979
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$251K
$209K low$294K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$118,878
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$95,102
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.51%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$92,500
US BANK NA · recorded Sep 3, 2002
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$40,000
MIDLAND STATES BK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,587 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$84,946 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,830
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$59,116
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$76,839
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$254,838

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.50
78
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
68
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
66
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.65 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
CountyWINNEBAGO
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 616 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(5)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Cherry Valley Elementary SchoolB+
Elementary · Grades KG–5 · 2.0 mi
H
Jefferson High SchoolF
High · Grades 9–12 · 4.7 mi
M
Flinn Middle SchoolC-
Middle · Grades 6–8 · 5.3 mi

District: Rockford School District 205

Neighborhood · ZIP 61016These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.64
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.39

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.4,775
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.163 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,713
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,451
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.53%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4282 River Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 72% of homes in Cherry Valley 61016
  • Costs less per square foot than 80% of homes in Winnebago County
  • Bigger than 92% of homes in Winnebago County
  • Has a bigger lot than 96% of homes in Winnebago County
  • Newer than 68% of homes in Winnebago County

What homes are worth in Cherry Valley 61016

Each bar is how many homes fall in that price range. The marker is this home.

This home
$135K$505K

This home is worth more than 28% of homes in Cherry Valley 61016.

How it measures up in Cherry Valley 61016

The dot is this home. The mark in the middle is the typical home in Cherry Valley 61016.

Estimated value$251,378
CheaperTypical $295,607Pricier

Pricier than 28% of homes nearby

Price per ft²$84
CheaperTypical $96Pricier

Pricier than 30% of homes nearby

Living area2,975 ft²
SmallerTypical 3,100 ft²Bigger

Bigger than 45% of homes nearby

Lot size5 ac
SmallerTypical 0.41 acBigger

Bigger than 91% of homes nearby

Year built1979
OlderTypical 1987Newer

Newer than 34% of homes nearby

How 4282 River Rd ranks against every home in each area.
MeasureThis homeCherry Valley 61016Winnebago County
Estimated valuepricier than$251,37828% of homes66% of homes
Price per ft²pricier than$8430% of homes20% of homes
Living areabigger than2,975 ft²45% of homes92% of homes
Lot sizebigger than5 ac91% of homes96% of homes
Year builtnewer than197934% of homes68% of homes

About 4282 River Rd

How much is 4282 River Rd, Cherry Valley, IL worth?

The TopHap Estimate for 4282 River Rd, Cherry Valley, IL is $251,378 as of Jul 14, 2026. The likely range is $208,666 to $294,090. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4282 River Rd, Cherry Valley, IL last sell?

4282 River Rd, Cherry Valley, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 4282 River Rd, Cherry Valley, IL?

4282 River Rd, Cherry Valley, IL has 4 bedrooms, 2 bathrooms and 2,975 square feet of living space.

When was 4282 River Rd, Cherry Valley, IL built?

4282 River Rd, Cherry Valley, IL was built in 1979, making it 47 years old. The building has 1 story.

What schools serve 4282 River Rd, Cherry Valley, IL?

4282 River Rd, Cherry Valley, IL is assigned to Cherry Valley Elementary School (elementary), rated B+; Jefferson High School (high), rated F; Flinn Middle School (middle), rated C-. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4282 River Rd, Cherry Valley, IL compare to other homes in Cherry Valley 61016?

Among the 1,944 homes in Cherry Valley 61016, it is worth more than 28% of them ($251,378 against a typical $295,607), its price per square foot is higher than 30% of them ($84 against a typical $96), it is bigger than 45% of them (2,975 ft² against a typical 3,100 ft²), its lot is bigger than 91% of them (5 ac against a typical 0.41 ac) and it is newer than 34% of them (1979 against a typical 1987). Measured against all of Winnebago County, it is worth more than 66% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4282 River Rd, Cherry Valley, IL?

The 2025 property tax bill for 4282 River Rd, Cherry Valley, IL was $5,587. The county assessed it at $84,946.

Closest homes

More homes in Cherry Valley 61016

Assigned schools

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