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Single Family ResidenceResidential
$451,288$178 / 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
Last sold for $234,000 on Dec 14, 2016

3548 CHAD ST

ROCKFORD, IL 61102
3
Beds
2.5
Baths
2,540 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.
1.2 ac
Lot SizeThe size of the land the home sits on, from county records.
2001
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
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

$451K
$437K low$466K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$234,000 · Dec 14, 2016
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.$271,288
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$217,030
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.38%
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.$180,000
BYRON BK · 2.39% · recorded Aug 4, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,427 (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.$135,503 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$19,608
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$115,895
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$121,604
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$406,509

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.42
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
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.
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.Colonial
CountyWINNEBAGO
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 · 340 ft²

Transaction History(5)

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.

E
Dorothy Simon Elementary School
Elementary · Grades PK–2 · 4.4 mi
H
Winnebago High SchoolD
High · Grades 9–12 · 4.6 mi
M
Winnebago Middle SchoolC+
Middle · Grades 6–8 · 4.7 mi

District: Winnebago Community Unit School District 323

Neighborhood · ZIP 61102These 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.129
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.41

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.4%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.23%
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.17,742
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.531 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,970
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$60,941
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

3548 Chad 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.

  • Among the most valuable homes in Rockford 61102
  • Costs more per square foot than 97% of homes in Rockford 61102
  • Bigger than 89% of homes in Rockford 61102
  • Has a bigger lot than 90% of homes in Winnebago County
  • Newer than 90% of homes in Rockford 61102

What homes are worth in Rockford 61102

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

This home
$43K$407K

This home is worth more than almost all homes in Rockford 61102.

How it measures up in Rockford 61102

The dot is this home. The mark in the middle is the typical home in Rockford 61102.

Estimated value$451,288
CheaperTypical $92,944Pricier

Pricier than almost all homes nearby

Price per ft²$178
CheaperTypical $75Pricier

Pricier than 97% of homes nearby

Living area2,540 ft²
SmallerTypical 1,398 ft²Bigger

Bigger than 89% of homes nearby

Lot size1.2 ac
SmallerTypical 0.24 acBigger

Bigger than 89% of homes nearby

Year built2001
OlderTypical 1949Newer

Newer than 90% of homes nearby

How 3548 Chad St ranks against every home in each area.
MeasureThis homeRockford 61102Winnebago County
Estimated valuepricier than$451,288almost all homes97% of homes
Price per ft²pricier than$17897% of homes82% of homes
Living areabigger than2,540 ft²89% of homes85% of homes
Lot sizebigger than1.2 ac89% of homes90% of homes
Year builtnewer than200190% of homes89% of homes

About 3548 Chad St

How much is 3548 Chad St, Rockford, IL worth?

The TopHap Estimate for 3548 Chad St, Rockford, IL is $451,288 as of Jul 14, 2026. The likely range is $436,733 to $465,843. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3548 Chad St, Rockford, IL last sell?

3548 Chad St, Rockford, IL last sold on Dec 14, 2016 for $234,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 3548 Chad St, Rockford, IL?

3548 Chad St, Rockford, IL has 3 bedrooms, 2.5 bathrooms and 2,540 square feet of living space.

When was 3548 Chad St, Rockford, IL built?

3548 Chad St, Rockford, IL was built in 2001, making it 25 years old. It is a colonial home. The building has 2 stories.

What schools serve 3548 Chad St, Rockford, IL?

3548 Chad St, Rockford, IL is assigned to Dorothy Simon Elementary School (elementary); Winnebago High School (high), rated D; Winnebago Middle School (middle), rated C+. All sit in Winnebago Community Unit School District 323. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3548 Chad St, Rockford, IL compare to other homes in Rockford 61102?

Among the 5,912 homes in Rockford 61102, it is worth more than almost all of them ($451,288 against a typical $92,944), its price per square foot is higher than 97% of them ($178 against a typical $75), it is bigger than 89% of them (2,540 ft² against a typical 1,398 ft²), its lot is bigger than 89% of them (1.2 ac against a typical 0.24 ac) and it is newer than 90% of them (2001 against a typical 1949). Measured against all of Winnebago County, it is worth more than 97% 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 3548 Chad St, Rockford, IL?

The 2025 property tax bill for 3548 Chad St, Rockford, IL was $10,427. The county assessed it at $135,503.

Closest homes

More homes in Rockford 61102

Assigned schools

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