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Single Family ResidenceResidential
$170,315$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 88How 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

428 N COTTAGE ST

ROCKTON, IL 61072
3
Beds
2.5
Baths
1,619 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.
0.46 ac
Lot SizeThe size of the land the home sits on, from 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.

Valuation

$170K
$151K low$190K 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.$5,915
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$4,732
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.94%
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.$164,400
STILLMAN BANCORP NA · recorded Jul 28, 2010

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,566 (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.$118,508 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,038
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$106,470
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$108,445
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$355,524

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.31
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
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.
3
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
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.46
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
HeatingThe type of heating system in the home.Gas
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(7)

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
Hononegah Chd High SchoolC
High · Grades 9–12 · 0.6 mi
E
Rockton Elementary School
Elementary · Grades PK–2 · 1.1 mi
M
Stephen Mack Middle SchoolB+
Middle · Grades 6–8 · 2.0 mi

District: Hononegah Community High School District 207

Neighborhood · ZIP 61072These 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.71
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.11,070
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.189 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$97,244
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,573
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

428 N Cottage 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.

  • Worth less than 94% of homes in Rockton 61072
  • Among the lowest price per square foot in Rockton 61072
  • Bigger than 74% of homes in Rockton 61072
  • Has a bigger lot than 72% of homes in Winnebago County

What homes are worth in Rockton 61072

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

This home
$143K$551K

This home is worth more than 6% of homes in Rockton 61072.

How it measures up in Rockton 61072

The dot is this home. The mark in the middle is the typical home in Rockton 61072.

Estimated value$170,315
CheaperTypical $297,000Pricier

Pricier than 6% of homes nearby

Price per ft²$105
CheaperTypical $204Pricier

Cheaper than almost all homes nearby

Living area1,619 ft²
SmallerTypical 1,352 ft²Bigger

Bigger than 74% of homes nearby

Lot size0.46 ac
SmallerTypical 0.44 acBigger

Bigger than 55% of homes nearby

How 428 N Cottage St ranks against every home in each area.
MeasureThis homeRockton 61072Winnebago County
Estimated valuepricier than$170,3156% of homes39% of homes
Price per ft²pricier than$105almost no homes37% of homes
Living areabigger than1,619 ft²74% of homes53% of homes
Lot sizebigger than0.46 ac55% of homes72% of homes

About 428 N Cottage St

How much is 428 N Cottage St, Rockton, IL worth?

The TopHap Estimate for 428 N Cottage St, Rockton, IL is $170,315 as of Jul 14, 2026. The likely range is $150,677 to $189,953. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 428 N Cottage St, Rockton, IL last sell?

428 N Cottage St, Rockton, IL last sold on Jan 1, 1900, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 428 N Cottage St, Rockton, IL?

428 N Cottage St, Rockton, IL has 3 bedrooms, 2.5 bathrooms, 1,619 square feet of living space and a 0.46-acre lot.

What schools serve 428 N Cottage St, Rockton, IL?

428 N Cottage St, Rockton, IL is assigned to Hononegah Chd High School (high), rated C; Rockton Elementary School (elementary); Stephen Mack Middle School (middle), rated B+. All sit in Hononegah Community High School District 207. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 428 N Cottage St, Rockton, IL compare to other homes in Rockton 61072?

Among the 4,009 homes in Rockton 61072, it is worth more than 6% of them ($170,315 against a typical $297,000), its price per square foot is higher than almost none of them ($105 against a typical $204), it is bigger than 74% of them (1,619 ft² against a typical 1,352 ft²) and its lot is bigger than 55% of them (0.46 ac against a typical 0.44 ac). Measured against all of Winnebago County, it is worth more than 39% 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 428 N Cottage St, Rockton, IL?

The 2025 property tax bill for 428 N Cottage St, Rockton, IL was $8,566. The county assessed it at $118,508.

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