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Single Family ResidenceResidential
$301,528$203 / 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 Jul 14, 2026

322 N RIVER ST

MONTGOMERY, IL 60538
3
Beds
1
Baths
1,484 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.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
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.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$302K
$294K low$309K 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.$210,213
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$168,170
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.33%
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.$91,315
AMERICAN FIDELITY MORTGAGE SERVICES · 3.99% 2 · recorded Apr 1, 2015

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,944 (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.$82,511 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$11,378
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$71,133
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$75,428
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$247,632

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.47 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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.0.2 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
StyleThe architectural style of the home, such as ranch or colonial.Bungalow
CountyKANE
Lot (acres)The size of the land the home sits on, from county records.0.26
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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(10)

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

E
Nicholson Elementary SchoolC
Elementary · Grades KG–5 · 0.2 mi
H
West Aurora High SchoolC-
High · Grades 9–12 · 2.3 mi
M
Washington Middle SchoolB-
Middle · Grades 6–8 · 2.5 mi

District: Aurora West Unit School District 129

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%

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

322 N River 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 69% of homes in Kane County
  • Has a bigger lot than 80% of homes in Montgomery 60538
  • Among the oldest 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
$215K$486K

This home is worth more than 43% of 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$301,528
CheaperTypical $315,676Pricier

Pricier than 43% of homes nearby

Price per ft²$203
CheaperTypical $196Pricier

Pricier than 56% of homes nearby

Living area1,484 ft²
SmallerTypical 1,624 ft²Bigger

Bigger than 42% of homes nearby

Lot size0.26 ac
SmallerTypical 0.21 acBigger

Bigger than 80% of homes nearby

Year built1920
OlderTypical 1999Newer

Older than almost all homes nearby

How 322 N River St ranks against every home in each area.
MeasureThis homeMontgomery 60538Kane County
Estimated valuepricier than$301,52843% of homes31% of homes
Price per ft²pricier than$20356% of homes41% of homes
Living areabigger than1,484 ft²42% of homes36% of homes
Lot sizebigger than0.26 ac80% of homes57% of homes
Year builtnewer than1920almost no homes11% of homes

About 322 N River St

How much is 322 N River St, Montgomery, IL worth?

The TopHap Estimate for 322 N River St, Montgomery, IL is $301,528 as of Jul 14, 2026. The likely range is $293,954 to $309,102. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 322 N River St, Montgomery, IL last sell?

322 N River St, Montgomery, IL last sold on Nov 4, 2020, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 322 N River St, Montgomery, IL?

322 N River St, Montgomery, IL has 3 bedrooms, 1 bathrooms, 1,484 square feet of living space and a 0.26-acre lot.

When was 322 N River St, Montgomery, IL built?

322 N River St, Montgomery, IL was built in 1920, making it 106 years old. It is a bungalow home. The building has 1 story.

What schools serve 322 N River St, Montgomery, IL?

322 N River St, Montgomery, IL is assigned to Nicholson Elementary School (elementary), rated C; West Aurora High School (high), rated C-; Washington Middle School (middle), rated B-. All sit in Aurora West Unit School District 129. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 322 N River St, Montgomery, IL compare to other homes in Montgomery 60538?

Among the 9,149 homes in Montgomery 60538, it is worth more than 43% of them ($301,528 against a typical $315,676), its price per square foot is higher than 56% of them ($203 against a typical $196), it is bigger than 42% of them (1,484 ft² against a typical 1,624 ft²), its lot is bigger than 80% of them (0.26 ac against a typical 0.21 ac) and it is newer than almost none of them (1920 against a typical 1999). Measured against all of Kane County, it is worth more than 31% 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 322 N River St, Montgomery, IL?

The 2025 property tax bill for 322 N River St, Montgomery, IL was $4,944. The county assessed it at $82,511.

Closest homes

More homes in Montgomery 60538

Assigned schools

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