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Single Family ResidenceResidential
$336,665$205 / 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 $128,000 on Dec 1, 2014

3902 SCARLET OAK DR

ROCKFORD, IL 61109
3
Beds
3
Baths
1,642 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.
0.33 ac
Lot SizeThe size of the land the home sits on, from county records.
2010
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$337K
$327K low$346K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$128,000 · Dec 1, 2014
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.$226,765
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$181,412
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.33%
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.$102,400
ALPINE BK&TR · P · recorded Dec 1, 2014
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.$7,500
HOUSING & CMNTY DEV DEPT

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,719 (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.$98,190 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,107
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$89,083
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$88,820
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$294,570

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.42 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 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
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.33
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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

Transaction History(2)

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
Jefferson High SchoolF
High · Grades 9–12 · 0.7 mi
E
Arthur W. Froberg Elementary SchoolD
Elementary · Grades KG–5 · 0.8 mi
M
Flinn Middle SchoolC-
Middle · Grades 6–8 · 1.6 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

3902 Scarlet Oak 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 96% of homes in Rockford 61109
  • Among the highest price per square foot in Rockford 61109
  • Among the newest 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
$46K$395K

This home is worth more than 96% 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$336,665
CheaperTypical $197,177Pricier

Pricier than 96% of homes nearby

Price per ft²$205
CheaperTypical $87Pricier

Pricier than almost all homes nearby

Living area1,642 ft²
SmallerTypical 1,892 ft²Bigger

Bigger than 42% of homes nearby

Lot size0.33 ac
SmallerTypical 0.3 acBigger

Bigger than 52% of homes nearby

Year built2010
OlderTypical 1970Newer

Newer than almost all homes nearby

How 3902 Scarlet Oak Dr ranks against every home in each area.
MeasureThis homeRockford 61109Winnebago County
Estimated valuepricier than$336,66596% of homes87% of homes
Price per ft²pricier than$205almost all homes91% of homes
Living areabigger than1,642 ft²42% of homes54% of homes
Lot sizebigger than0.33 ac52% of homes57% of homes
Year builtnewer than2010almost all homesalmost all homes

About 3902 Scarlet Oak Dr

How much is 3902 Scarlet Oak Dr, Rockford, IL worth?

The TopHap Estimate for 3902 Scarlet Oak Dr, Rockford, IL is $336,665 as of Jul 14, 2026. The likely range is $327,176 to $346,154. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3902 Scarlet Oak Dr, Rockford, IL last sell?

3902 Scarlet Oak Dr, Rockford, IL last sold on Dec 1, 2014 for $128,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3902 Scarlet Oak Dr, Rockford, IL?

3902 Scarlet Oak Dr, Rockford, IL has 3 bedrooms, 3 bathrooms, 1,642 square feet of living space and a 0.33-acre lot.

When was 3902 Scarlet Oak Dr, Rockford, IL built?

3902 Scarlet Oak Dr, Rockford, IL was built in 2010, making it 16 years old. The building has 1 story.

What schools serve 3902 Scarlet Oak Dr, Rockford, IL?

3902 Scarlet Oak Dr, Rockford, IL is assigned to Jefferson High School (high), rated F; Arthur W. Froberg Elementary School (elementary), rated D; Flinn Middle School (middle), rated C-. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3902 Scarlet Oak Dr, Rockford, IL compare to other homes in Rockford 61109?

Among the 8,748 homes in Rockford 61109, it is worth more than 96% of them ($336,665 against a typical $197,177), its price per square foot is higher than almost all of them ($205 against a typical $87), it is bigger than 42% of them (1,642 ft² against a typical 1,892 ft²), its lot is bigger than 52% of them (0.33 ac against a typical 0.3 ac) and it is newer than almost all of them (2010 against a typical 1970). Measured against all of Winnebago County, it is worth more than 87% 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 3902 Scarlet Oak Dr, Rockford, IL?

The 2025 property tax bill for 3902 Scarlet Oak Dr, Rockford, IL was $7,719. The county assessed it at $98,190.

Closest homes

More homes in Rockford 61109

Assigned schools

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