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Single Family ResidenceResidential
$183,671$126 / 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 96How 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 $149,000 on Sep 12, 2022

3609 CHARLES ST

ROCKFORD, IL 61108
2
Beds
1.5
Baths
1,462 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.
0.56 ac
Lot SizeThe size of the land the home sits on, from county records.
1935
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
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

$184K
$176K low$192K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$149,000 · Sep 12, 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.$37,457
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$29,966
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.80%
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.$146,214
CROSSCOUNTRY MORTGAGE INC · 5.38% · recorded Sep 12, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,913 (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.$50,323 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$14,888
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$35,435
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$45,161
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$150,969

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.32
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
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.
61
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.Cape Cod
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.56
ConstructionThe main material the home's frame and walls are built from.Brick
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, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
ViewThe type of view from the property, or another feature of the site that affects value.Traffic
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 432 ft²

Transaction History(4)

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
East High SchoolF
High · Grades 9–12 · 0.5 mi
E
Rolling Green Elementary SchoolC
Elementary · Grades KG–5 · 0.6 mi
M
Lincoln Middle SchoolD
Middle · Grades 6–8 · 1.6 mi

District: Rockford School District 205

Neighborhood · ZIP 61108These 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.87
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 100.40

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
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.30,642
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,718 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,181
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,210
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.35 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

3609 Charles 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.

  • Smaller than 67% of homes in Rockford 61108
  • Has a bigger lot than 85% of homes in Rockford 61108
  • Older than 97% of homes in Rockford 61108

What homes are worth in Rockford 61108

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

This home
$113K$351K

This home is worth more than 51% of homes in Rockford 61108.

How it measures up in Rockford 61108

The dot is this home. The mark in the middle is the typical home in Rockford 61108.

Estimated value$183,671
CheaperTypical $182,511Pricier

Pricier than 51% of homes nearby

Price per ft²$126
CheaperTypical $116Pricier

Pricier than 62% of homes nearby

Living area1,462 ft²
SmallerTypical 1,648 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.56 ac
SmallerTypical 0.24 acBigger

Bigger than 85% of homes nearby

Year built1935
OlderTypical 1962Newer

Newer than 3% of homes nearby

How 3609 Charles St ranks against every home in each area.
MeasureThis homeRockford 61108Winnebago County
Estimated valuepricier than$183,67151% of homes44% of homes
Price per ft²pricier than$12662% of homes53% of homes
Living areabigger than1,462 ft²33% of homes43% of homes
Lot sizebigger than0.56 ac85% of homes78% of homes
Year builtnewer than19353% of homes17% of homes

About 3609 Charles St

How much is 3609 Charles St, Rockford, IL worth?

The TopHap Estimate for 3609 Charles St, Rockford, IL is $183,671 as of Jul 14, 2026. The likely range is $175,814 to $191,528. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3609 Charles St, Rockford, IL last sell?

3609 Charles St, Rockford, IL last sold on Sep 12, 2022 for $149,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 3609 Charles St, Rockford, IL?

3609 Charles St, Rockford, IL has 2 bedrooms, 1.5 bathrooms, 1,462 square feet of living space and a 0.56-acre lot.

When was 3609 Charles St, Rockford, IL built?

3609 Charles St, Rockford, IL was built in 1935, making it 91 years old. It is a cape cod home. The building has 1 story.

What schools serve 3609 Charles St, Rockford, IL?

3609 Charles St, Rockford, IL is assigned to East High School (high), rated F; Rolling Green Elementary School (elementary), rated C; Lincoln 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 3609 Charles St, Rockford, IL compare to other homes in Rockford 61108?

Among the 9,982 homes in Rockford 61108, it is worth more than 51% of them ($183,671 against a typical $182,511), its price per square foot is higher than 62% of them ($126 against a typical $116), it is bigger than 33% of them (1,462 ft² against a typical 1,648 ft²), its lot is bigger than 85% of them (0.56 ac against a typical 0.24 ac) and it is newer than 3% of them (1935 against a typical 1962). Measured against all of Winnebago County, it is worth more than 44% 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 3609 Charles St, Rockford, IL?

The 2025 property tax bill for 3609 Charles St, Rockford, IL was $3,913. The county assessed it at $50,323.

Closest homes

More homes in Rockford 61108

Assigned schools

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