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Single Family ResidenceResidential
$286,286$149 / 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 92How 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

3045 OLD CHAPEL RD

ROCKFORD, IL 61109
3
Beds
2.5
Baths
1,915 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.
0.46 ac
Lot SizeThe size of the land the home sits on, from county records.
1973
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$286K
$265K low$308K 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.$217,086
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$173,669
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.22%
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.$69,200
MEMBERSALLIANCE CU · recorded Dec 17, 1998

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,258 (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.$90,874 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$11,484
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$79,390
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$82,202
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$272,622

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.33
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
60
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.46
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.Central
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 352 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.

H
Jefferson High SchoolF
High · Grades 9–12 · 1.6 mi
E
Arthur W. Froberg Elementary SchoolD
Elementary · Grades KG–5 · 1.9 mi
M
Flinn Middle SchoolC-
Middle · Grades 6–8 · 3.6 mi

District: Rockford School District 205

Neighborhood · ZIP 61109These 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.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.42

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
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.26,851
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.669 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,982
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,739
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.36 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

3045 Old Chapel 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 90% of homes in Rockford 61109
  • Costs more per square foot than 89% of homes in Rockford 61109
  • Bigger than 69% of homes in Winnebago County
  • Has a bigger lot than 71% of homes in Winnebago County

What homes are worth in Rockford 61109

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

This home
$47K$405K

This home is worth more than 90% of homes in Rockford 61109.

How it measures up in Rockford 61109

The dot is this home. The mark in the middle is the typical home in Rockford 61109.

Estimated value$286,286
CheaperTypical $197,704Pricier

Pricier than 90% of homes nearby

Price per ft²$149
CheaperTypical $87Pricier

Pricier than 89% of homes nearby

Living area1,915 ft²
SmallerTypical 1,879 ft²Bigger

Bigger than 51% of homes nearby

Lot size0.46 ac
SmallerTypical 0.3 acBigger

Bigger than 67% of homes nearby

Year built1973
OlderTypical 1970Newer

Newer than 60% of homes nearby

How 3045 Old Chapel Rd ranks against every home in each area.
MeasureThis homeRockford 61109Winnebago County
Estimated valuepricier than$286,28690% of homes77% of homes
Price per ft²pricier than$14989% of homes68% of homes
Living areabigger than1,915 ft²51% of homes69% of homes
Lot sizebigger than0.46 ac67% of homes71% of homes
Year builtnewer than197360% of homes60% of homes

About 3045 Old Chapel Rd

How much is 3045 Old Chapel Rd, Rockford, IL worth?

The TopHap Estimate for 3045 Old Chapel Rd, Rockford, IL is $286,286 as of Jul 14, 2026. The likely range is $264,574 to $307,998. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3045 Old Chapel Rd, Rockford, IL last sell?

3045 Old Chapel Rd, Rockford, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3045 Old Chapel Rd, Rockford, IL?

3045 Old Chapel Rd, Rockford, IL has 3 bedrooms, 2.5 bathrooms, 1,915 square feet of living space and a 0.46-acre lot.

When was 3045 Old Chapel Rd, Rockford, IL built?

3045 Old Chapel Rd, Rockford, IL was built in 1973, making it 53 years old. The building has 1 story.

What schools serve 3045 Old Chapel Rd, Rockford, IL?

3045 Old Chapel Rd, Rockford, IL is assigned to Jefferson High School (high), rated F; Arthur W. Froberg Elementary School (elementary), rated D; Flinn Middle School (middle), rated C-. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3045 Old Chapel Rd, Rockford, IL compare to other homes in Rockford 61109?

Among the 8,748 homes in Rockford 61109, it is worth more than 90% of them ($286,286 against a typical $197,704), its price per square foot is higher than 89% of them ($149 against a typical $87), it is bigger than 51% of them (1,915 ft² against a typical 1,879 ft²), its lot is bigger than 67% of them (0.46 ac against a typical 0.3 ac) and it is newer than 60% of them (1973 against a typical 1970). Measured against all of Winnebago County, it is worth more than 77% 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 3045 Old Chapel Rd, Rockford, IL?

The 2025 property tax bill for 3045 Old Chapel Rd, Rockford, IL was $6,258. The county assessed it at $90,874.

Closest homes

More homes in Rockford 61109

Assigned schools

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