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Single Family ResidenceResidential
$106,373$108 / 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 53How 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

409 S WESTMORELAND AVE

ROCKFORD, IL 61102
3
Beds
1
Baths
984 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.
0.45 ac
Lot SizeThe size of the land the home sits on, from county records.
1959
Year BuiltThe year the home was originally built, according to county records.
1
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.

Valuation

$106K
$57K low$156K 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.$60,373
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$48,298
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.46%
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.$46,000
ASSOCIATED BANK · recorded Sep 20, 2005

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$478 (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.$19,710 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,202
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$17,508
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$17,688
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$59,130

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.37
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
25
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.
64
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.Ranch
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.45
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
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 · 56 ft²

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.

M
Kennedy Middle SchoolD-
Middle · Grades 6–8 · 1.5 mi
H
Auburn High SchoolD-
High · Grades 9–12 · 1.6 mi
E
Ellis Elementary SchoolC-
Elementary · Grades KG–5 · 2.5 mi

District: Rockford School District 205

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

409 S Westmoreland 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 less than 86% of homes in Winnebago County
  • Costs more per square foot than 79% of homes in Rockford 61102
  • Smaller than 88% of homes in Winnebago County
  • Has a bigger lot than 71% of homes in Winnebago County
  • Newer than 66% 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
$42K$418K

This home is worth more than 57% of 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$106,373
CheaperTypical $92,734Pricier

Pricier than 57% of homes nearby

Price per ft²$108
CheaperTypical $75Pricier

Pricier than 79% of homes nearby

Living area984 ft²
SmallerTypical 1,394 ft²Bigger

Bigger than 18% of homes nearby

Lot size0.45 ac
SmallerTypical 0.25 acBigger

Bigger than 70% of homes nearby

Year built1959
OlderTypical 1949Newer

Newer than 66% of homes nearby

How 409 S Westmoreland Ave ranks against every home in each area.
MeasureThis homeRockford 61102Winnebago County
Estimated valuepricier than$106,37357% of homes14% of homes
Price per ft²pricier than$10879% of homes40% of homes
Living areabigger than984 ft²18% of homes12% of homes
Lot sizebigger than0.45 ac70% of homes71% of homes
Year builtnewer than195966% of homes41% of homes

About 409 S Westmoreland Ave

How much is 409 S Westmoreland Ave, Rockford, IL worth?

The TopHap Estimate for 409 S Westmoreland Ave, Rockford, IL is $106,373 as of Jul 14, 2026. The likely range is $56,713 to $156,033. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 409 S Westmoreland Ave, Rockford, IL last sell?

409 S Westmoreland Ave, Rockford, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 409 S Westmoreland Ave, Rockford, IL?

409 S Westmoreland Ave, Rockford, IL has 3 bedrooms, 1 bathrooms, 984 square feet of living space and a 0.45-acre lot.

When was 409 S Westmoreland Ave, Rockford, IL built?

409 S Westmoreland Ave, Rockford, IL was built in 1959, making it 67 years old. It is a ranch home. The building has 1 story.

What schools serve 409 S Westmoreland Ave, Rockford, IL?

409 S Westmoreland Ave, Rockford, IL is assigned to Kennedy Middle School (middle), rated D-; Auburn High School (high), rated D-; Ellis Elementary School (elementary), rated C-. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 409 S Westmoreland Ave, Rockford, IL compare to other homes in Rockford 61102?

Among the 5,912 homes in Rockford 61102, it is worth more than 57% of them ($106,373 against a typical $92,734), its price per square foot is higher than 79% of them ($108 against a typical $75), it is bigger than 18% of them (984 ft² against a typical 1,394 ft²), its lot is bigger than 70% of them (0.45 ac against a typical 0.25 ac) and it is newer than 66% of them (1959 against a typical 1949). Measured against all of Winnebago County, it is worth more than 14% 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 409 S Westmoreland Ave, Rockford, IL?

The 2025 property tax bill for 409 S Westmoreland Ave, Rockford, IL was $478. The county assessed it at $19,710.

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