Skip to content
Skip to content
TopHapOpen in map
Single Family ResidentialResidential
$155,131$139 / 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 48How 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

103 SPRUCE ST

BLUFFS, IL 62621
0
Baths
1,116 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.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$155K
$74K low$236K 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.$155,131
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$124,105

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,300 (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.$42,341 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,989
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$38,352
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$41,357
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$127,023

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.52
86
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
77
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
64
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
7
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.99 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.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountySCOTT
Lot (acres)The size of the land the home sits on, from county records.0.32
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

H
Bluffs High School
High · Grades 9–12 · 0.6 mi
M
Bluffs Junior High SchoolB-
Middle · Grades 6–8 · 0.6 mi
E
Bluffs Elementary SchoolA-
Elementary · Grades PK–5 · 0.6 mi

District: Scott-Morgan Consolidated Unit School District 2

Neighborhood · ZIP 62621These 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.154
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.75
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.49

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.866
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.14 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,359
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,644
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
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

103 Spruce St 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 more than 97% of homes in Scott County
  • Costs more per square foot than 96% of homes in Scott County
  • Newer than 88% of homes in Scott County

What homes are worth in Bluffs 62621

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

This home
$55K$188K

This home is worth more than 93% of homes in Bluffs 62621.

How it measures up in Bluffs 62621

The dot is this home. The mark in the middle is the typical home in Bluffs 62621.

Estimated value$155,131
CheaperTypical $93,486Pricier

Pricier than 93% of homes nearby

Price per ft²$139
CheaperTypical $81Pricier

Pricier than 93% of homes nearby

Living area1,116 ft²
SmallerTypical 1,151 ft²Bigger

Bigger than 47% of homes nearby

Lot size0.32 ac
SmallerTypical 0.27 acBigger

Bigger than 56% of homes nearby

Year built1977
OlderTypical 1900Newer

Newer than 87% of homes nearby

How 103 Spruce St ranks against every home in each area.
MeasureThis homeBluffs 62621Scott County
Estimated valuepricier than$155,13193% of homes97% of homes
Price per ft²pricier than$13993% of homes96% of homes
Living areabigger than1,116 ft²47% of homes44% of homes
Lot sizebigger than0.32 ac56% of homes57% of homes
Year builtnewer than197787% of homes88% of homes

About 103 Spruce St

How much is 103 Spruce St, Bluffs, IL worth?

The TopHap Estimate for 103 Spruce St, Bluffs, IL is $155,131 as of Jul 14, 2026. The likely range is $73,926 to $236,336. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 103 Spruce St, Bluffs, IL last sell?

103 Spruce St, Bluffs, IL last sold on Nov 5, 2003, according to the county's recorded deed.

How big is 103 Spruce St, Bluffs, IL?

103 Spruce St, Bluffs, IL has 1,116 square feet of living space and a 0.32-acre lot.

When was 103 Spruce St, Bluffs, IL built?

103 Spruce St, Bluffs, IL was built in 1977, making it 49 years old. It is a split level home. The building has 1 story.

What schools serve 103 Spruce St, Bluffs, IL?

103 Spruce St, Bluffs, IL is assigned to Bluffs High School (high); Bluffs Junior High School (middle), rated B-; Bluffs Elementary School (elementary), rated A-. All sit in Scott-Morgan Consolidated Unit School District 2. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 103 Spruce St, Bluffs, IL compare to other homes in Bluffs 62621?

Among the 341 homes in Bluffs 62621, it is worth more than 93% of them ($155,131 against a typical $93,486), its price per square foot is higher than 93% of them ($139 against a typical $81), it is bigger than 47% of them (1,116 ft² against a typical 1,151 ft²), its lot is bigger than 56% of them (0.32 ac against a typical 0.27 ac) and it is newer than 87% of them (1977 against a typical 1900). Measured against all of Scott County, it is worth more than 97% 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 103 Spruce St, Bluffs, IL?

The 2025 property tax bill for 103 Spruce St, Bluffs, IL was $3,300. The county assessed it at $42,341.

Closest homes

More homes in Bluffs 62621

Assigned schools

Explore the area

See this home in context

Open 103 Spruce St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map