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Residential - Vacant LandResidential
$52,055
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 59How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $540,000 on Dec 28, 2017

3540 WATERSTONE PL

ROCKFORD, IL 61114
0
Baths
0.58 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$52K
$31K low$73K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$540,000 · Dec 28, 2017
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.$52,055
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$41,644

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$849 (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.$12,106 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,106
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$10,864
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$36,318

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.34
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
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.
65
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.Residential - Vacant Land
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.58
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.

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 · 3.4 mi
E
Spring Creek Elementary SchoolC-
Elementary · Grades KG–5 · 3.8 mi
M
Eisenhower Middle SchoolD
Middle · Grades 6–8 · 5.1 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.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

3540 Waterstone Pl 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.

  • Among the least valuable homes in Rockford 61114
  • Has a bigger lot than 79% of homes in Winnebago County

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
$128K$574K

This home is worth less than almost all 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$52,055
CheaperTypical $278,756Pricier

Cheaper than almost all homes nearby

Lot size0.58 ac
SmallerTypical 0.33 acBigger

Bigger than 76% of homes nearby

How 3540 Waterstone Pl ranks against every home in each area.
MeasureThis homeRockford 61114Winnebago County
Estimated valuepricier than$52,055almost no homesalmost no homes
Lot sizebigger than0.58 ac76% of homes79% of homes

About 3540 Waterstone Pl

How much is 3540 Waterstone Pl, Rockford, IL worth?

The TopHap Estimate for 3540 Waterstone Pl, Rockford, IL is $52,055 as of Jun 23, 2026. The likely range is $30,712 to $73,397. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3540 Waterstone Pl, Rockford, IL last sell?

3540 Waterstone Pl, Rockford, IL last sold on Dec 28, 2017 for $540,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

What schools serve 3540 Waterstone Pl, Rockford, IL?

3540 Waterstone Pl, 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 3540 Waterstone Pl, Rockford, IL compare to other homes in Rockford 61114?

Among the 5,393 homes in Rockford 61114, it is worth more than almost none of them ($52,055 against a typical $278,756) and its lot is bigger than 76% of them (0.58 ac against a typical 0.33 ac). Measured against all of Winnebago County, it is worth more than almost no 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 3540 Waterstone Pl, Rockford, IL?

The 2025 property tax bill for 3540 Waterstone Pl, Rockford, IL was $849. The county assessed it at $12,106.

Closest homes

More homes in Rockford 61114

Assigned schools

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