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Single Family ResidenceResidential
$106,008$104 / 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 93How 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

220 RIVER LN

LOVES PARK, IL 61111
2
Beds
1
Baths
1,018 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1935
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
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

$106K
$99K low$113K 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.$14,693
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$11,754
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.85%
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.$60,000
COUNTRYWIDE HOME LOANS INC · R · recorded May 20, 2003
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.$16,315
AMERICAN GENERAL FINANCE INC
3rd 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.$15,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,066 (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.$36,770 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,156
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$32,614
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$32,999
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$110,310

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.36
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
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.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%

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.Bungalow
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.16
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
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 624 ft²

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.

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
Loves Park Elementary SchoolB
Elementary · Grades 1–5 · 0.3 mi
M
Harlem Middle SchoolC
Middle · Grades 6–8 · 1.1 mi
H
Harlem High SchoolC-
High · Grades 9–12 · 3.7 mi

District: Harlem Unit School District 122

Neighborhood · ZIP 61111These 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.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.40

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
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.21,061
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,643 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,793
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,421
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.34 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

220 River Ln 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 96% of homes in Loves Park 61111
  • Costs less per square foot than 86% of homes in Loves Park 61111
  • Smaller than 87% of homes in Winnebago County
  • Has a smaller lot than 90% of homes in Loves Park 61111
  • Older than 93% of homes in Loves Park 61111

What homes are worth in Loves Park 61111

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

This home
$96K$476K

This home is worth more than 4% of homes in Loves Park 61111.

How it measures up in Loves Park 61111

The dot is this home. The mark in the middle is the typical home in Loves Park 61111.

Estimated value$106,008
CheaperTypical $193,943Pricier

Pricier than 4% of homes nearby

Price per ft²$104
CheaperTypical $146Pricier

Pricier than 14% of homes nearby

Living area1,018 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 15% of homes nearby

Lot size0.16 ac
SmallerTypical 0.27 acBigger

Bigger than 10% of homes nearby

Year built1935
OlderTypical 1984Newer

Newer than 7% of homes nearby

How 220 River Ln ranks against every home in each area.
MeasureThis homeMartin ShorwoodLoves Park 61111Winnebago County
Estimated valuepricier than$106,00820% of homes4% of homes14% of homes
Price per ft²pricier than$10439% of homes14% of homes36% of homes
Living areabigger than1,018 ft²30% of homes15% of homes13% of homes
Lot sizebigger than0.16 ac34% of homes10% of homes15% of homes
Year builtnewer than193534% of homes7% of homes17% of homes

About 220 River Ln

How much is 220 River Ln, Loves Park, IL worth?

The TopHap Estimate for 220 River Ln, Loves Park, IL is $106,008 as of Jul 14, 2026. The likely range is $98,965 to $113,051. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 220 River Ln, Loves Park, IL last sell?

220 River Ln, Loves Park, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 220 River Ln, Loves Park, IL?

220 River Ln, Loves Park, IL has 2 bedrooms, 1 bathrooms, 1,018 square feet of living space and a 0.16-acre lot.

When was 220 River Ln, Loves Park, IL built?

220 River Ln, Loves Park, IL was built in 1935, making it 91 years old. It is a bungalow home. The building has 1 story.

What schools serve 220 River Ln, Loves Park, IL?

220 River Ln, Loves Park, IL is assigned to Loves Park Elementary School (elementary), rated B; Harlem Middle School (middle), rated C; Harlem High School (high), rated C-. All sit in Harlem Unit School District 122. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 220 River Ln, Loves Park, IL compare to other homes in Loves Park 61111?

Among the 8,187 homes in Loves Park 61111, it is worth more than 4% of them ($106,008 against a typical $193,943), its price per square foot is higher than 14% of them ($104 against a typical $146), it is bigger than 15% of them (1,018 ft² against a typical 1,456 ft²), its lot is bigger than 10% of them (0.16 ac against a typical 0.27 ac) and it is newer than 7% of them (1935 against a typical 1984). Measured against all of Winnebago County, it is worth more than 14% 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 220 River Ln, Loves Park, IL?

The 2025 property tax bill for 220 River Ln, Loves Park, IL was $2,066. The county assessed it at $36,770.

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Assigned schools

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