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Single Family ResidenceResidential
$436,763$162 / 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
Last sold for $425,000 on Jan 16, 2026

12712 RIVER RD

PLANO, IL 60545
2
Beds
2
Baths
2,694 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.
4.84 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$437K
$382K low$491K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$425,000 · Jan 16, 2026
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.$33,013
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$26,410
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.93%
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.$403,750
ZILLOW HOME LOANS LLC · 6.5% · recorded Jan 16, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,425 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$155,174 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$52,283
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$102,891
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$155,174
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$465,522

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.29
97
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.
27
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.104 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.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.Single Family Residence
CountyKendall
Lot (acres)The size of the land the home sits on, from county records.4.84
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.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

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

H
Yorkville High SchoolB+
High · Grades 9–12 · 2.6 mi
E
Yorkville Grade SchoolB
Elementary · Grades KG–3 · 2.8 mi
M
Yorkville Middle SchoolC+
Middle · Grades 7–8 · 4.4 mi

District: Yorkville Community Unit School District 115

Neighborhood · ZIP 60545These 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.108
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.53

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.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.17,114
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.449 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$90,066
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$103,708
Average tempThe average temperature here across a full year.49°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%

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

12712 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 more than 91% of homes in Plano 60545
  • Costs less per square foot than 85% of homes in Kendall County
  • Bigger than 87% of homes in Plano 60545
  • Has a bigger lot than 97% of homes in Plano 60545
  • Older than 76% of homes in Kendall County

What homes are worth in Plano 60545

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

This home
$178K$624K

This home is worth more than 91% of homes in Plano 60545.

How it measures up in Plano 60545

The dot is this home. The mark in the middle is the typical home in Plano 60545.

Estimated value$436,763
CheaperTypical $298,368Pricier

Pricier than 91% of homes nearby

Price per ft²$162
CheaperTypical $185Pricier

Pricier than 32% of homes nearby

Living area2,694 ft²
SmallerTypical 1,635 ft²Bigger

Bigger than 87% of homes nearby

Lot size4.84 ac
SmallerTypical 0.22 acBigger

Bigger than 97% of homes nearby

Year built1989
OlderTypical 2004Newer

Newer than 40% of homes nearby

How 12712 River Rd ranks against every home in each area.
MeasureThis homePlano 60545Kendall County
Estimated valuepricier than$436,76391% of homes65% of homes
Price per ft²pricier than$16232% of homes15% of homes
Living areabigger than2,694 ft²87% of homes79% of homes
Lot sizebigger than4.84 ac97% of homes97% of homes
Year builtnewer than198940% of homes24% of homes

About 12712 River Rd

How much is 12712 River Rd, Plano, IL worth?

The TopHap Estimate for 12712 River Rd, Plano, IL is $436,763 as of Jul 14, 2026. The likely range is $382,359 to $491,167. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12712 River Rd, Plano, IL last sell?

12712 River Rd, Plano, IL last sold on Jan 16, 2026 for $425,000, according to the county's recorded deed.

How big is 12712 River Rd, Plano, IL?

12712 River Rd, Plano, IL has 2 bedrooms, 2 bathrooms, 2,694 square feet of living space and a 4.84-acre lot.

When was 12712 River Rd, Plano, IL built?

12712 River Rd, Plano, IL was built in 1989, making it 37 years old. The building has 2 stories.

What schools serve 12712 River Rd, Plano, IL?

12712 River Rd, Plano, IL is assigned to Yorkville High School (high), rated B+; Yorkville Grade School (elementary), rated B; Yorkville Middle School (middle), rated C+. All sit in Yorkville Community Unit School District 115. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12712 River Rd, Plano, IL compare to other homes in Plano 60545?

Among the 4,716 homes in Plano 60545, it is worth more than 91% of them ($436,763 against a typical $298,368), its price per square foot is higher than 32% of them ($162 against a typical $185), it is bigger than 87% of them (2,694 ft² against a typical 1,635 ft²), its lot is bigger than 97% of them (4.84 ac against a typical 0.22 ac) and it is newer than 40% of them (1989 against a typical 2004). Measured against all of Kendall County, it is worth more than 65% 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 12712 River Rd, Plano, IL?

The 2024 property tax bill for 12712 River Rd, Plano, IL was $11,425. The county assessed it at $155,174.

Closest homes

More homes in Plano 60545

Assigned schools

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