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Single Family ResidenceResidential
$239,253$105 / 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 92How 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 $142,500 on Aug 28, 2019

406 N GARDINER AVE

ROCKFORD, IL 61107
3
Beds
1.5
Baths
2,284 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.
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
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

$239K
$219K low$259K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$142,500 · Aug 28, 2019
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.$80,120
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$64,096
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.71%
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.$139,918
QUICKEN LNS · 3.99% 2 · recorded Aug 28, 2019
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.$12,681
HUD
3rd 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.$6,534

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,872 (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.$83,830 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,175
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$74,655
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$75,231
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$251,490

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.
8
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.

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
Lot (acres)The size of the land the home sits on, from county records.0.17
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.Alley
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 286 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.

M
Lincoln Middle SchoolD
Middle · Grades 6–8 · 0.5 mi
E
Bloom Elementary SchoolC-
Elementary · Grades KG–5 · 1.1 mi
H
East High SchoolF
High · Grades 9–12 · 1.3 mi

District: Rockford School District 205

Neighborhood · ZIP 61107These 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.89
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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.29,768
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,019 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,050
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$94,291
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.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

406 N Gardiner Ave 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 94% of homes in North Highland
  • Costs less per square foot than 71% of homes in Rockford 61107
  • Bigger than 86% of homes in North Highland
  • Has a smaller lot than 88% of homes in Rockford 61107
  • Newer than 82% of homes in North Highland

What homes are worth in Rockford 61107

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

This home
$100K$540K

This home is worth more than 57% of homes in Rockford 61107.

How it measures up in Rockford 61107

The dot is this home. The mark in the middle is the typical home in Rockford 61107.

Estimated value$239,253
CheaperTypical $225,000Pricier

Pricier than 57% of homes nearby

Price per ft²$105
CheaperTypical $118Pricier

Pricier than 29% of homes nearby

Living area2,284 ft²
SmallerTypical 1,927 ft²Bigger

Bigger than 67% of homes nearby

Lot size0.17 ac
SmallerTypical 0.26 acBigger

Bigger than 12% of homes nearby

Year built1940
OlderTypical 1959Newer

Newer than 20% of homes nearby

How 406 N Gardiner Ave ranks against every home in each area.
MeasureThis homeNorth HighlandRockford 61107Winnebago County
Estimated valuepricier than$239,25394% of homes57% of homes62% of homes
Price per ft²pricier than$10548% of homes29% of homes37% of homes
Living areabigger than2,284 ft²86% of homes67% of homes80% of homes
Lot sizebigger than0.17 ac44% of homes12% of homes16% of homes
Year builtnewer than194082% of homes20% of homes20% of homes

About 406 N Gardiner Ave

How much is 406 N Gardiner Ave, Rockford, IL worth?

The TopHap Estimate for 406 N Gardiner Ave, Rockford, IL is $239,253 as of Jul 14, 2026. The likely range is $219,024 to $259,482. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 406 N Gardiner Ave, Rockford, IL last sell?

406 N Gardiner Ave, Rockford, IL last sold on Aug 28, 2019 for $142,500, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 406 N Gardiner Ave, Rockford, IL?

406 N Gardiner Ave, Rockford, IL has 3 bedrooms, 1.5 bathrooms, 2,284 square feet of living space and a 0.17-acre lot.

When was 406 N Gardiner Ave, Rockford, IL built?

406 N Gardiner Ave, Rockford, IL was built in 1940, making it 86 years old. It is a colonial home. The building has 2 stories.

What schools serve 406 N Gardiner Ave, Rockford, IL?

406 N Gardiner Ave, Rockford, IL is assigned to Lincoln Middle School (middle), rated D; Bloom Elementary School (elementary), rated C-; East High School (high), rated F. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 406 N Gardiner Ave, Rockford, IL compare to other homes in Rockford 61107?

Among the 11,017 homes in Rockford 61107, it is worth more than 57% of them ($239,253 against a typical $225,000), its price per square foot is higher than 29% of them ($105 against a typical $118), it is bigger than 67% of them (2,284 ft² against a typical 1,927 ft²), its lot is bigger than 12% of them (0.17 ac against a typical 0.26 ac) and it is newer than 20% of them (1940 against a typical 1959). Measured against all of Winnebago County, it is worth more than 62% 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 406 N Gardiner Ave, Rockford, IL?

The 2025 property tax bill for 406 N Gardiner Ave, Rockford, IL was $6,872. The county assessed it at $83,830.

Closest homes

More homes in Rockford 61107

Assigned schools

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