Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$212,876$277 / 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 94How 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
Last sold for $125,000 on Feb 3, 2021

10638 PEARL ST

ROSCOE, IL 61073
3
Beds
1.5
Baths
768 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.
0.51 ac
Lot SizeThe size of the land the home sits on, from county records.
1963
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$213K
$201K low$225K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$125,000 · Feb 3, 2021
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.$132,876
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$106,301
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.40%
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.$80,000
JP MORGAN CHASE BANK · recorded Mar 3, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,225 (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.$52,697 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,233
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$43,464
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$48,130
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$158,091

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.51
74
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
22
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
69
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
62
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
31
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.28 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.0.2 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.Single Family Residence
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.51
HeatingThe type of heating system in the home.Gas
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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

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

M
Roscoe Middle SchoolB+
Middle · Grades 6–8 · 1.0 mi
E
Ledgewood Elementary School
Elementary · Grades PK–1 · 2.1 mi
H
Hononegah Chd High SchoolC
High · Grades 9–12 · 4.0 mi

District: Hononegah Community High School District 207

Neighborhood · ZIP 61073These 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.42
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.20,151
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.730 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$100,696
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$122,657
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.52%

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

10638 Pearl 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 less than 93% of homes in Roscoe 61073
  • Costs more per square foot than 97% of homes in Winnebago County
  • Smaller than 98% of homes in Roscoe 61073
  • Has a bigger lot than 76% of homes in Winnebago County
  • Older than 95% of homes in Roscoe 61073

What homes are worth in Roscoe 61073

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

This home
$174K$670K

This home is worth more than 7% of homes in Roscoe 61073.

How it measures up in Roscoe 61073

The dot is this home. The mark in the middle is the typical home in Roscoe 61073.

Estimated value$212,876
CheaperTypical $326,790Pricier

Pricier than 7% of homes nearby

Price per ft²$277
CheaperTypical $209Pricier

Pricier than 83% of homes nearby

Living area768 ft²
SmallerTypical 1,576 ft²Bigger

Bigger than 2% of homes nearby

Lot size0.51 ac
SmallerTypical 0.59 acBigger

Bigger than 39% of homes nearby

Year built1963
OlderTypical 1992Newer

Newer than 5% of homes nearby

How 10638 Pearl St ranks against every home in each area.
MeasureThis homeRoscoe 61073Winnebago County
Estimated valuepricier than$212,8767% of homes53% of homes
Price per ft²pricier than$27783% of homes97% of homes
Living areabigger than768 ft²2% of homes3% of homes
Lot sizebigger than0.51 ac39% of homes76% of homes
Year builtnewer than19635% of homes48% of homes

About 10638 Pearl St

How much is 10638 Pearl St, Roscoe, IL worth?

The TopHap Estimate for 10638 Pearl St, Roscoe, IL is $212,876 as of Jul 14, 2026. The likely range is $200,663 to $225,089. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10638 Pearl St, Roscoe, IL last sell?

10638 Pearl St, Roscoe, IL last sold on Feb 3, 2021 for $125,000, according to the county's recorded deed.

How big is 10638 Pearl St, Roscoe, IL?

10638 Pearl St, Roscoe, IL has 3 bedrooms, 1.5 bathrooms, 768 square feet of living space and a 0.51-acre lot.

When was 10638 Pearl St, Roscoe, IL built?

10638 Pearl St, Roscoe, IL was built in 1963, making it 63 years old. The building has 1 story.

What schools serve 10638 Pearl St, Roscoe, IL?

10638 Pearl St, Roscoe, IL is assigned to Roscoe Middle School (middle), rated B+; Ledgewood Elementary School (elementary); Hononegah Chd High School (high), rated C. All sit in Hononegah Community High School District 207. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10638 Pearl St, Roscoe, IL compare to other homes in Roscoe 61073?

Among the 7,163 homes in Roscoe 61073, it is worth more than 7% of them ($212,876 against a typical $326,790), its price per square foot is higher than 83% of them ($277 against a typical $209), it is bigger than 2% of them (768 ft² against a typical 1,576 ft²), its lot is bigger than 39% of them (0.51 ac against a typical 0.59 ac) and it is newer than 5% of them (1963 against a typical 1992). Measured against all of Winnebago County, it is worth more than 53% 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 10638 Pearl St, Roscoe, IL?

The 2025 property tax bill for 10638 Pearl St, Roscoe, IL was $2,225. The county assessed it at $52,697.

More homes on Pearl St

Closest homes

More homes in Roscoe 61073

Assigned schools

Explore the area

See this home in context

Open 10638 Pearl 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