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Single Family ResidenceResidential
$302,995
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 75How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $109,000 on Mar 20, 1995

109 E SPENCER ST

ELWOOD, IL 60421
4
Beds
0
Baths
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.
2
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

$303K
$226K low$380K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$109,000 · Mar 20, 1995

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,618 (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.$90,727 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,706
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$75,021
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$80,701
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$272,181

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.38
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
72
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
71
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
28
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.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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 Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyWILL
Lot (acres)The size of the land the home sits on, from county records.0.17
HeatingThe type of heating system in the home.Yes
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, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Foreclosure Filings(1)

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

E
Elwood SchoolB+
Elementary · Grades KG–8 · 0.3 mi
H
Joliet Central High SchoolD-
High · Grades 9–12 · 8.5 mi

District: Joliet Township High School District 204

Neighborhood · ZIP 60421These 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.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.46

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.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.4,288
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.104 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$93,464
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$114,902
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

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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 Spencer 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 69% of homes in Will County
  • Has a smaller lot than 86% of homes in Elwood 60421

What homes are worth in Elwood 60421

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

This home
$179K$590K

This home is worth more than 43% of homes in Elwood 60421.

How it measures up in Elwood 60421

The dot is this home. The mark in the middle is the typical home in Elwood 60421.

Estimated value$302,995
CheaperTypical $313,483Pricier

Pricier than 43% of homes nearby

Lot size0.17 ac
SmallerTypical 0.28 acBigger

Bigger than 14% of homes nearby

Year built1996
OlderTypical 1998Newer

Newer than 37% of homes nearby

How 109 E Spencer St ranks against every home in each area.
MeasureThis homeElwood 60421Will County
Estimated valuepricier than$302,99543% of homes31% of homes
Lot sizebigger than0.17 ac14% of homes21% of homes
Year builtnewer than199637% of homes56% of homes

About 109 E Spencer St

How much is 109 E Spencer St, Elwood, IL worth?

The TopHap Estimate for 109 E Spencer St, Elwood, IL is $302,995 as of Sep 24, 2026. The likely range is $225,852 to $380,138. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 E Spencer St, Elwood, IL last sell?

109 E Spencer St, Elwood, IL last sold on Mar 20, 1995 for $109,000, according to the county's recorded deed.

How big is 109 E Spencer St, Elwood, IL?

109 E Spencer St, Elwood, IL has 4 bedrooms and a 0.17-acre lot.

When was 109 E Spencer St, Elwood, IL built?

109 E Spencer St, Elwood, IL was built in 1996, making it 30 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 109 E Spencer St, Elwood, IL?

109 E Spencer St, Elwood, IL is assigned to Elwood School (elementary), rated B+; Joliet Central High School (high), rated D-. All sit in Joliet Township High School District 204. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 E Spencer St, Elwood, IL compare to other homes in Elwood 60421?

Among the 1,048 homes in Elwood 60421, it is worth more than 43% of them ($302,995 against a typical $313,483), its lot is bigger than 14% of them (0.17 ac against a typical 0.28 ac) and it is newer than 37% of them (1996 against a typical 1998). Measured against all of Will County, it is worth more than 31% 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 Spencer St, Elwood, IL?

The 2025 property tax bill for 109 E Spencer St, Elwood, IL was $5,618. The county assessed it at $90,727.

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