Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$194,375$138 / 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 90How 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

3520 20TH ST

ROCKFORD, IL 61109
3
Beds
1.5
Baths
1,407 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.
0.35 ac
Lot SizeThe size of the land the home sits on, from county records.
1962
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$194K
$174K low$214K 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.$194,375
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$155,500

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,350 (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.$55,372 (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.$43,888
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$50,088
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$166,116

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.
7
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
68
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.
31
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.0.35
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
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 · 550 ft²

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

M
Flinn Middle SchoolC-
Middle · Grades 6–8 · 1.3 mi
H
Jefferson High SchoolF
High · Grades 9–12 · 1.4 mi
E
Hillman Elementary SchoolB
Elementary · Grades KG–5 · 1.4 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

3520 20th 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.

  • Costs more per square foot than 86% of homes in Rockford 61109
  • Smaller than 67% of homes in Rockford 61109
  • Older than 65% of homes in Rockford 61109

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
$48K$395K

This home is worth more than 50% 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$194,375
CheaperTypical $198,041Pricier

Pricier than 50% of homes nearby

Price per ft²$138
CheaperTypical $87Pricier

Pricier than 86% of homes nearby

Living area1,407 ft²
SmallerTypical 1,890 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.35 ac
SmallerTypical 0.3 acBigger

Bigger than 57% of homes nearby

Year built1962
OlderTypical 1970Newer

Newer than 35% of homes nearby

How 3520 20th St ranks against every home in each area.
MeasureThis homeRockford 61109Winnebago County
Estimated valuepricier than$194,37550% of homes48% of homes
Price per ft²pricier than$13886% of homes61% of homes
Living areabigger than1,407 ft²33% of homes39% of homes
Lot sizebigger than0.35 ac57% of homes62% of homes
Year builtnewer than196235% of homes47% of homes

About 3520 20th St

How much is 3520 20th St, Rockford, IL worth?

The TopHap Estimate for 3520 20th St, Rockford, IL is $194,375 as of Jul 14, 2026. The likely range is $174,336 to $214,414. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3520 20th St, Rockford, IL last sell?

3520 20th St, Rockford, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3520 20th St, Rockford, IL?

3520 20th St, Rockford, IL has 3 bedrooms, 1.5 bathrooms, 1,407 square feet of living space and a 0.35-acre lot.

When was 3520 20th St, Rockford, IL built?

3520 20th St, Rockford, IL was built in 1962, making it 64 years old. The building has 1 story.

What schools serve 3520 20th St, Rockford, IL?

3520 20th St, Rockford, IL is assigned to Flinn Middle School (middle), rated C-; Jefferson High School (high), rated F; Hillman Elementary School (elementary), rated B. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3520 20th St, Rockford, IL compare to other homes in Rockford 61109?

Among the 8,747 homes in Rockford 61109, it is worth more than 50% of them ($194,375 against a typical $198,041), its price per square foot is higher than 86% of them ($138 against a typical $87), it is bigger than 33% of them (1,407 ft² against a typical 1,890 ft²), its lot is bigger than 57% of them (0.35 ac against a typical 0.3 ac) and it is newer than 35% of them (1962 against a typical 1970). Measured against all of Winnebago County, it is worth more than 48% 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 3520 20th St, Rockford, IL?

The 2025 property tax bill for 3520 20th St, Rockford, IL was $3,350. The county assessed it at $55,372.

Closest homes

More homes in Rockford 61109

Assigned schools

Explore the area

See this home in context

Open 3520 20th St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map