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Single Family ResidenceResidential
$276,050$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 94How 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 $198,000 on Apr 4, 2022

3531 MONTLAKE DR

ROCKFORD, IL 61114
4
Beds
2.5
Baths
2,003 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.
0.3 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
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

$276K
$260K low$292K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$198,000 · Apr 4, 2022
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.$13,353
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$10,682
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.102%
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.$194,413
ENVOY MORTGAGE LTD · recorded Apr 19, 2022
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.$60,000
HUD
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.$8,284

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,572 (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.$85,441 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$11,268
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$74,173
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$76,677
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$256,323

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.
6
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.
62
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
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.30
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.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 336 ft²

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.

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

H
Guilford High SchoolD
High · Grades 9–12 · 0.8 mi
E
Spring Creek Elementary SchoolC-
Elementary · Grades KG–5 · 1.0 mi
M
Eisenhower Middle SchoolD
Middle · Grades 6–8 · 2.3 mi

District: Rockford School District 205

Neighborhood · ZIP 61114These 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.53
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.38

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.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.15,641
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,943 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$86,141
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,567
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

3531 Montlake Dr 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 74% of homes in Winnebago County
  • Bigger than 72% of homes in Winnebago County
  • Older than 72% of homes in Rockford 61114

What homes are worth in Rockford 61114

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

This home
$120K$564K

This home is worth more than 49% of homes in Rockford 61114.

How it measures up in Rockford 61114

The dot is this home. The mark in the middle is the typical home in Rockford 61114.

Estimated value$276,050
CheaperTypical $278,546Pricier

Pricier than 49% of homes nearby

Price per ft²$138
CheaperTypical $131Pricier

Pricier than 58% of homes nearby

Living area2,003 ft²
SmallerTypical 2,196 ft²Bigger

Bigger than 41% of homes nearby

Lot size0.3 ac
SmallerTypical 0.33 acBigger

Bigger than 41% of homes nearby

Year built1972
OlderTypical 1981Newer

Newer than 28% of homes nearby

How 3531 Montlake Dr ranks against every home in each area.
MeasureThis homeRockford 61114Winnebago County
Estimated valuepricier than$276,05049% of homes74% of homes
Price per ft²pricier than$13858% of homes61% of homes
Living areabigger than2,003 ft²41% of homes72% of homes
Lot sizebigger than0.3 ac41% of homes54% of homes
Year builtnewer than197228% of homes59% of homes

About 3531 Montlake Dr

How much is 3531 Montlake Dr, Rockford, IL worth?

The TopHap Estimate for 3531 Montlake Dr, Rockford, IL is $276,050 as of Jul 14, 2026. The likely range is $260,199 to $291,901. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3531 Montlake Dr, Rockford, IL last sell?

3531 Montlake Dr, Rockford, IL last sold on Apr 4, 2022 for $198,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3531 Montlake Dr, Rockford, IL?

3531 Montlake Dr, Rockford, IL has 4 bedrooms, 2.5 bathrooms, 2,003 square feet of living space and a 0.30-acre lot.

When was 3531 Montlake Dr, Rockford, IL built?

3531 Montlake Dr, Rockford, IL was built in 1972, making it 54 years old. It is a colonial home. The building has 2 stories.

What schools serve 3531 Montlake Dr, Rockford, IL?

3531 Montlake Dr, Rockford, IL is assigned to Guilford High School (high), rated D; Spring Creek Elementary School (elementary), rated C-; Eisenhower Middle School (middle), rated D. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3531 Montlake Dr, Rockford, IL compare to other homes in Rockford 61114?

Among the 5,393 homes in Rockford 61114, it is worth more than 49% of them ($276,050 against a typical $278,546), its price per square foot is higher than 58% of them ($138 against a typical $131), it is bigger than 41% of them (2,003 ft² against a typical 2,196 ft²), its lot is bigger than 41% of them (0.3 ac against a typical 0.33 ac) and it is newer than 28% of them (1972 against a typical 1981). Measured against all of Winnebago County, it is worth more than 74% 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 3531 Montlake Dr, Rockford, IL?

The 2025 property tax bill for 3531 Montlake Dr, Rockford, IL was $6,572. The county assessed it at $85,441.

Closest homes

More homes in Rockford 61114

Assigned schools

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