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Single Family ResidenceResidential
$134,826$112 / 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 91How 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 $81,000 on Aug 2, 2017

2039 CUMBERLAND ST

ROCKFORD, IL 61103
2
Beds
1
Baths
1,208 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.
0.12 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
Year BuiltThe year the home was originally built, according to county records.
2
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.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$135K
$122K low$147K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$81,000 · Aug 2, 2017
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.$62,526
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$50,021
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.55%
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.$64,800
ILLINOIS BK&TR · recorded Aug 2, 2017
2nd 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.$7,500
COMMUNITY DEV CORP

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,248 (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.$42,789 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,205
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$37,584
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$38,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$128,367

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.41
42
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
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.
64
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.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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.Colonial
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.12
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.Asphalt
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 224 ft²

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.

E
Welsh Elementary SchoolD+
Elementary · Grades KG–5 · 1.0 mi
M
West Middle SchoolD
Middle · Grades 6–8 · 1.5 mi
H
Guilford High SchoolD
High · Grades 9–12 · 3.1 mi

District: Rockford School District 205

Neighborhood · ZIP 61103These 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.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.37

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.90%
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.23%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.23,056
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,345 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$53,596
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$71,328
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

2039 Cumberland 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 76% of homes in Winnebago County
  • Costs more per square foot than 81% of homes in Rockford 61103
  • Smaller than 84% of homes in Edgewater
  • Has a smaller lot than 98% of homes in Winnebago County
  • Older than 89% of homes in Winnebago County

What homes are worth in Rockford 61103

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

This home
$74K$467K

This home is worth more than 48% of homes in Rockford 61103.

How it measures up in Rockford 61103

The dot is this home. The mark in the middle is the typical home in Rockford 61103.

Estimated value$134,826
CheaperTypical $136,168Pricier

Pricier than 48% of homes nearby

Price per ft²$112
CheaperTypical $91Pricier

Pricier than 81% of homes nearby

Living area1,208 ft²
SmallerTypical 1,560 ft²Bigger

Bigger than 23% of homes nearby

Lot size0.12 ac
SmallerTypical 0.17 acBigger

Bigger than 9% of homes nearby

Year built1925
OlderTypical 1940Newer

Newer than 32% of homes nearby

How 2039 Cumberland St ranks against every home in each area.
MeasureThis homeEdgewaterRockford 61103Winnebago County
Estimated valuepricier than$134,82632% of homes48% of homes24% of homes
Price per ft²pricier than$11275% of homes81% of homes43% of homes
Living areabigger than1,208 ft²16% of homes23% of homes24% of homes
Lot sizebigger than0.12 ac12% of homes9% of homes2% of homes
Year builtnewer than192543% of homes32% of homes11% of homes

About 2039 Cumberland St

How much is 2039 Cumberland St, Rockford, IL worth?

The TopHap Estimate for 2039 Cumberland St, Rockford, IL is $134,826 as of Jul 14, 2026. The likely range is $122,465 to $147,187. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2039 Cumberland St, Rockford, IL last sell?

2039 Cumberland St, Rockford, IL last sold on Aug 2, 2017 for $81,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 2039 Cumberland St, Rockford, IL?

2039 Cumberland St, Rockford, IL has 2 bedrooms, 1 bathrooms, 1,208 square feet of living space and a 0.12-acre lot.

When was 2039 Cumberland St, Rockford, IL built?

2039 Cumberland St, Rockford, IL was built in 1925, making it 101 years old. It is a colonial home. The building has 2 stories.

What schools serve 2039 Cumberland St, Rockford, IL?

2039 Cumberland St, Rockford, IL is assigned to Welsh Elementary School (elementary), rated D+; West Middle School (middle), rated D; Guilford High School (high), rated D. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2039 Cumberland St, Rockford, IL compare to other homes in Rockford 61103?

Among the 7,542 homes in Rockford 61103, it is worth more than 48% of them ($134,826 against a typical $136,168), its price per square foot is higher than 81% of them ($112 against a typical $91), it is bigger than 23% of them (1,208 ft² against a typical 1,560 ft²), its lot is bigger than 9% of them (0.12 ac against a typical 0.17 ac) and it is newer than 32% of them (1925 against a typical 1940). Measured against all of Winnebago County, it is worth more than 24% 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 2039 Cumberland St, Rockford, IL?

The 2025 property tax bill for 2039 Cumberland St, Rockford, IL was $3,248. The county assessed it at $42,789.

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