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Single Family ResidenceResidential
$496,098$146 / 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 97How 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

2103 EMMA AVE

MONTGOMERY, IL 60538
4
Beds
3 / 1
Baths
3,388 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.
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
2006
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$496K
$483K low$509K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,580 (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.$136,176 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,302
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$122,874
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$121,836
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$408,528

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.10
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
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.9 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
CountyKendall
Lot (acres)The size of the land the home sits on, from county records.0.17
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.Gas
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(7)

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

Foreclosure Filings(2)

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

E
Lakewood Creek Elementary SchoolB
Elementary · Grades KG–5 · 0.8 mi
M
Thompson Junior High SchoolC+
Middle · Grades 6–8 · 3.1 mi
H
Oswego High SchoolA-
High · Grades 9–12 · 3.5 mi

District: Oswego Community Unit School District 308

Neighborhood · ZIP 60538These 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.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.52

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.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.5%
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.29,644
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,993 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$83,697
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$100,549
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%

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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

2103 Emma Ave 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.

  • Among the most valuable homes in Montgomery 60538
  • Costs less per square foot than 95% of homes in Montgomery 60538
  • Bigger than 98% of homes in Montgomery 60538
  • Has a smaller lot than 82% of homes in Kendall County
  • Newer than 89% of homes in Montgomery 60538

What homes are worth in Montgomery 60538

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

This home
$219K$487K

This home is worth more than almost all homes in Montgomery 60538.

How it measures up in Montgomery 60538

The dot is this home. The mark in the middle is the typical home in Montgomery 60538.

Estimated value$496,098
CheaperTypical $318,341Pricier

Pricier than almost all homes nearby

Price per ft²$146
CheaperTypical $199Pricier

Pricier than 5% of homes nearby

Living area3,388 ft²
SmallerTypical 1,624 ft²Bigger

Bigger than 98% of homes nearby

Lot size0.17 ac
SmallerTypical 0.21 acBigger

Bigger than 23% of homes nearby

Year built2006
OlderTypical 2000Newer

Newer than 89% of homes nearby

How 2103 Emma Ave ranks against every home in each area.
MeasureThis homeMontgomery 60538Kendall County
Estimated valuepricier than$496,098almost all homes83% of homes
Price per ft²pricier than$1465% of homes7% of homes
Living areabigger than3,388 ft²98% of homes94% of homes
Lot sizebigger than0.17 ac23% of homes18% of homes
Year builtnewer than200689% of homes75% of homes

About 2103 Emma Ave

How much is 2103 Emma Ave, Montgomery, IL worth?

The TopHap Estimate for 2103 Emma Ave, Montgomery, IL is $496,098 as of Sep 24, 2026. The likely range is $483,265 to $508,931. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2103 Emma Ave, Montgomery, IL last sell?

2103 Emma Ave, Montgomery, IL last sold on May 2, 2017, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 2103 Emma Ave, Montgomery, IL?

2103 Emma Ave, Montgomery, IL has 4 bedrooms, 3 bathrooms, 3,388 square feet of living space and a 0.17-acre lot.

When was 2103 Emma Ave, Montgomery, IL built?

2103 Emma Ave, Montgomery, IL was built in 2006, making it 20 years old. The building has 2 stories.

What schools serve 2103 Emma Ave, Montgomery, IL?

2103 Emma Ave, Montgomery, IL is assigned to Lakewood Creek Elementary School (elementary), rated B; Thompson Junior High School (middle), rated C+; Oswego High School (high), rated A-. All sit in Oswego Community Unit School District 308. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2103 Emma Ave, Montgomery, IL compare to other homes in Montgomery 60538?

Among the 9,148 homes in Montgomery 60538, it is worth more than almost all of them ($496,098 against a typical $318,341), its price per square foot is higher than 5% of them ($146 against a typical $199), it is bigger than 98% of them (3,388 ft² against a typical 1,624 ft²), its lot is bigger than 23% of them (0.17 ac against a typical 0.21 ac) and it is newer than 89% of them (2006 against a typical 2000). Measured against all of Kendall County, it is worth more than 83% 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 2103 Emma Ave, Montgomery, IL?

The 2024 property tax bill for 2103 Emma Ave, Montgomery, IL was $11,580. The county assessed it at $136,176.

More homes on Emma Ave

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Assigned schools

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