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Single Family ResidenceResidential
$303,868$181 / 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

4038 MONTCLAIR RD

ROSCOE, IL 61073
3
Beds
2
Baths
1,682 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.
0.53 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
1
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.

Valuation

$304K
$285K low$323K high
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.$258,868
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$207,094
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.15%
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.$45,000
BLACKHAWK BK · recorded Oct 8, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,242 (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.$93,640 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$19,743
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$73,897
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$85,524
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$280,920

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.43
37
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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.0.53
HeatingThe type of heating system in the home.Gas
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

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

H
Hononegah Chd High SchoolC
High · Grades 9–12 · 1.5 mi
M
Roscoe Middle SchoolB+
Middle · Grades 6–8 · 2.5 mi
E
Ledgewood Elementary School
Elementary · Grades PK–1 · 3.5 mi

District: Hononegah Community High School District 207

Neighborhood · ZIP 61073These 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.42
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.20,151
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.730 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$100,696
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$122,657
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

4038 Montclair Rd 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 81% of homes in Winnebago County
  • Costs more per square foot than 84% of homes in Winnebago County
  • Has a bigger lot than 77% of homes in Winnebago County
  • Newer than 72% of homes in Winnebago County

What homes are worth in Roscoe 61073

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

This home
$169K$656K

This home is worth more than 38% of homes in Roscoe 61073.

How it measures up in Roscoe 61073

The dot is this home. The mark in the middle is the typical home in Roscoe 61073.

Estimated value$303,868
CheaperTypical $326,723Pricier

Pricier than 38% of homes nearby

Price per ft²$181
CheaperTypical $209Pricier

Pricier than 28% of homes nearby

Living area1,682 ft²
SmallerTypical 1,574 ft²Bigger

Bigger than 56% of homes nearby

Lot size0.53 ac
SmallerTypical 0.6 acBigger

Bigger than 40% of homes nearby

Year built1986
OlderTypical 1992Newer

Newer than 36% of homes nearby

How 4038 Montclair Rd ranks against every home in each area.
MeasureThis homeRoscoe 61073Winnebago County
Estimated valuepricier than$303,86838% of homes81% of homes
Price per ft²pricier than$18128% of homes84% of homes
Living areabigger than1,682 ft²56% of homes57% of homes
Lot sizebigger than0.53 ac40% of homes77% of homes
Year builtnewer than198636% of homes72% of homes

About 4038 Montclair Rd

How much is 4038 Montclair Rd, Roscoe, IL worth?

The TopHap Estimate for 4038 Montclair Rd, Roscoe, IL is $303,868 as of Jul 14, 2026. The likely range is $284,757 to $322,979. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4038 Montclair Rd, Roscoe, IL last sell?

4038 Montclair Rd, Roscoe, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 4038 Montclair Rd, Roscoe, IL?

4038 Montclair Rd, Roscoe, IL has 3 bedrooms, 2 bathrooms, 1,682 square feet of living space and a 0.53-acre lot.

When was 4038 Montclair Rd, Roscoe, IL built?

4038 Montclair Rd, Roscoe, IL was built in 1986, making it 40 years old. The building has 1 story.

What schools serve 4038 Montclair Rd, Roscoe, IL?

4038 Montclair Rd, Roscoe, IL is assigned to Hononegah Chd High School (high), rated C; Roscoe Middle School (middle), rated B+; Ledgewood Elementary School (elementary). All sit in Hononegah Community High School District 207. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4038 Montclair Rd, Roscoe, IL compare to other homes in Roscoe 61073?

Among the 7,163 homes in Roscoe 61073, it is worth more than 38% of them ($303,868 against a typical $326,723), its price per square foot is higher than 28% of them ($181 against a typical $209), it is bigger than 56% of them (1,682 ft² against a typical 1,574 ft²), its lot is bigger than 40% of them (0.53 ac against a typical 0.6 ac) and it is newer than 36% of them (1986 against a typical 1992). Measured against all of Winnebago County, it is worth more than 81% 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 4038 Montclair Rd, Roscoe, IL?

The 2025 property tax bill for 4038 Montclair Rd, Roscoe, IL was $6,242. The county assessed it at $93,640.

Closest homes

More homes in Roscoe 61073

Assigned schools

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