Skip to content
Skip to content
TopHapOpen in map
Single Family ResidentialResidential
$173,026$69 / 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 88How 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

109 E CLAY

ROCK CITY, IL 61070
3
Beds
1.5
Baths
2,496 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.
0.3 ac
Lot SizeThe size of the land the home sits on, from county records.
1969
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.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$173K
$152K low$194K 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.$173,026
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$138,421

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,856 (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.$54,211 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,366
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$48,845
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$46,697
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$162,633

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountySTEPHENSON
Lot (acres)The size of the land the home sits on, from county records.0.30
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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.

M
Dakota Jr Sr High SchoolB-
Middle · Grades 7–12 · 3.8 mi
E
Dakota Elementary SchoolC+
Elementary · Grades PK–6 · 3.9 mi

District: Dakota Community Unit School District 201

Neighborhood · ZIP 61070These 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.77
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.36

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
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.1.2%
PopulationHow many people live in this area.1,209
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.36 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$83,921
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$108,940
Average tempThe average temperature here across a full year.47°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

109 E Clay 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.

  • Costs less per square foot than 74% of homes in Stephenson County
  • Bigger than 69% of homes in Stephenson County
  • Has a smaller lot than 84% of homes in Rock City 61070
  • Newer than 67% of homes in Stephenson County

What homes are worth in Rock City 61070

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

This home
$87K$521K

This home is worth more than 47% of homes in Rock City 61070.

How it measures up in Rock City 61070

The dot is this home. The mark in the middle is the typical home in Rock City 61070.

Estimated value$173,026
CheaperTypical $176,992Pricier

Pricier than 47% of homes nearby

Price per ft²$69
CheaperTypical $69Pricier

Pricier than 49% of homes nearby

Living area2,496 ft²
SmallerTypical 2,681 ft²Bigger

Bigger than 41% of homes nearby

Lot size0.3 ac
SmallerTypical 0.69 acBigger

Bigger than 16% of homes nearby

Year built1969
OlderTypical 1955Newer

Newer than 62% of homes nearby

How 109 E Clay ranks against every home in each area.
MeasureThis homeRock City 61070Stephenson County
Estimated valuepricier than$173,02647% of homes52% of homes
Price per ft²pricier than$6949% of homes26% of homes
Living areabigger than2,496 ft²41% of homes69% of homes
Lot sizebigger than0.3 ac16% of homes49% of homes
Year builtnewer than196962% of homes67% of homes

About 109 E Clay

How much is 109 E Clay, Rock City, IL worth?

The TopHap Estimate for 109 E Clay, Rock City, IL is $173,026 as of Jul 14, 2026. The likely range is $152,395 to $193,657. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 E Clay, Rock City, IL last sell?

109 E Clay, Rock City, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 109 E Clay, Rock City, IL?

109 E Clay, Rock City, IL has 3 bedrooms, 1.5 bathrooms, 2,496 square feet of living space and a 0.30-acre lot.

When was 109 E Clay, Rock City, IL built?

109 E Clay, Rock City, IL was built in 1969, making it 57 years old. The building has 1 story.

What schools serve 109 E Clay, Rock City, IL?

109 E Clay, Rock City, IL is assigned to Dakota Jr Sr High School (middle), rated B-; Dakota Elementary School (elementary), rated C+. All sit in Dakota Community Unit School District 201. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 E Clay, Rock City, IL compare to other homes in Rock City 61070?

Among the 345 homes in Rock City 61070, it is worth more than 47% of them ($173,026 against a typical $176,992), its price per square foot is higher than 49% of them ($69 against a typical $69), it is bigger than 41% of them (2,496 ft² against a typical 2,681 ft²), its lot is bigger than 16% of them (0.3 ac against a typical 0.69 ac) and it is newer than 62% of them (1969 against a typical 1955). Measured against all of Stephenson County, it is worth more than 52% 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 109 E Clay, Rock City, IL?

The 2025 property tax bill for 109 E Clay, Rock City, IL was $3,856. The county assessed it at $54,211.

Closest homes

More homes in Rock City 61070

Assigned schools

Explore the area

See this home in context

Open 109 E Clay 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