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Single Family ResidenceResidential
$102,549
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 84How 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 $58,500 on Mar 10, 2021

320 WATER ST

CAVE IN ROCK, IL 62919
0
Baths
0.64 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$103K
$87K low$118K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$58,500 · Mar 10, 2021
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.$102,549
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$82,039

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$955 (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.$27,192 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$959
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$26,233
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$24,068
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$81,576

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.61
96
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
31
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
91
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
89
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
1
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.176 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
CountyHardin
Lot (acres)The size of the land the home sits on, from county records.0.64

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

H
Hardin County High SchoolB-
High · Grades 9–12 · 6.7 mi
M
Hardin County Jr High SchoolC
Middle · Grades 6–8 · 6.7 mi
E
Hardin County Elementary SchoolB
Elementary · Grades PK–5 · 6.7 mi

District: Hardin County Community Unit School District 1

Neighborhood · ZIP 62919These 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.133
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.237

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.60%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.5.6%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.591
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.14 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$54,223
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,022
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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

320 Water 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 more than 94% of homes in Cave in Rock 62919

What homes are worth in Cave in Rock 62919

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

This home
$30K$169K

This home is worth more than 94% of homes in Cave in Rock 62919.

How it measures up in Cave in Rock 62919

The dot is this home. The mark in the middle is the typical home in Cave in Rock 62919.

Estimated value$102,549
CheaperTypical $53,885Pricier

Pricier than 94% of homes nearby

Lot size0.64 ac
SmallerTypical 1 acBigger

Bigger than 44% of homes nearby

How 320 Water St ranks against every home in each area.
MeasureThis homeCave in Rock 62919Hardin County
Estimated valuepricier than$102,54994% of homes84% of homes
Lot sizebigger than0.64 ac44% of homes36% of homes

About 320 Water St

How much is 320 Water St, Cave In Rock, IL worth?

The TopHap Estimate for 320 Water St, Cave In Rock, IL is $102,549 as of Jul 14, 2026. The likely range is $86,621 to $118,477. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 320 Water St, Cave In Rock, IL last sell?

320 Water St, Cave In Rock, IL last sold on Mar 10, 2021 for $58,500, according to the county's recorded deed.

What schools serve 320 Water St, Cave In Rock, IL?

320 Water St, Cave In Rock, IL is assigned to Hardin County High School (high), rated B-; Hardin County Jr High School (middle), rated C; Hardin County Elementary School (elementary), rated B. All sit in Hardin County Community Unit School District 1. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 320 Water St, Cave In Rock, IL compare to other homes in Cave in Rock 62919?

Among the 491 homes in Cave in Rock 62919, it is worth more than 94% of them ($102,549 against a typical $53,885) and its lot is bigger than 44% of them (0.64 ac against a typical 1 ac). Measured against all of Hardin County, it is worth more than 84% 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 320 Water St, Cave In Rock, IL?

The 2024 property tax bill for 320 Water St, Cave In Rock, IL was $955. The county assessed it at $27,192.

Closest homes

More homes in Cave In Rock 62919

Assigned schools

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