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Single Family ResidenceResidential
$205,281$127 / 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 98How 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 $149,000 on Apr 11, 2022

438 W 4TH ST

PECATONICA, IL 61063
0
Baths
1,617 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1946
Year BuiltThe year the home was originally built, according to county records.

Valuation

$205K
$200K low$210K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$149,000 · Apr 11, 2022
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.$52,101
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$41,681
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.83%
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.$147,184
WINTRUST MORTGAGE CORP · 4.63% · recorded Apr 11, 2022
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.$5,996
HUD

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,924 (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.$62,235 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,880
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$57,355
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$57,941
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$186,705

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.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
69
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
66
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.0.23
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

E
Pecatonica Elementary SchoolB
Elementary · Grades PK–4 · 0.3 mi
M
Pecatonica Community Middle SchoolC
Middle · Grades 5–8 · 0.5 mi
H
Pecatonica High SchoolC
High · Grades 9–12 · 0.8 mi

District: Pecatonica Community Unit School District 321

Neighborhood · ZIP 61063These 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.73
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.37

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.4%
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.5,104
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.67 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$96,616
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,223
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

438 W 4th 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.

  • Bigger than 66% of homes in Pecatonica 61063
  • Has a smaller lot than 81% of homes in Pecatonica 61063
  • Older than 77% of homes in Winnebago County

What homes are worth in Pecatonica 61063

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

This home
$78K$471K

This home is worth more than 53% of homes in Pecatonica 61063.

How it measures up in Pecatonica 61063

The dot is this home. The mark in the middle is the typical home in Pecatonica 61063.

Estimated value$205,281
CheaperTypical $198,714Pricier

Pricier than 53% of homes nearby

Price per ft²$127
CheaperTypical $140Pricier

Pricier than 38% of homes nearby

Living area1,617 ft²
SmallerTypical 1,404 ft²Bigger

Bigger than 66% of homes nearby

Lot size0.23 ac
SmallerTypical 0.33 acBigger

Bigger than 19% of homes nearby

Year built1946
OlderTypical 1965Newer

Newer than 34% of homes nearby

How 438 W 4th St ranks against every home in each area.
MeasureThis homePecatonica 61063Winnebago County
Estimated valuepricier than$205,28153% of homes51% of homes
Price per ft²pricier than$12738% of homes54% of homes
Living areabigger than1,617 ft²66% of homes53% of homes
Lot sizebigger than0.23 ac19% of homes39% of homes
Year builtnewer than194634% of homes23% of homes

About 438 W 4th St

How much is 438 W 4th St, Pecatonica, IL worth?

The TopHap Estimate for 438 W 4th St, Pecatonica, IL is $205,281 as of Jul 14, 2026. The likely range is $200,170 to $210,392. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 438 W 4th St, Pecatonica, IL last sell?

438 W 4th St, Pecatonica, IL last sold on Apr 11, 2022 for $149,000, according to the county's recorded deed.

How big is 438 W 4th St, Pecatonica, IL?

438 W 4th St, Pecatonica, IL has 1,617 square feet of living space and a 0.23-acre lot.

When was 438 W 4th St, Pecatonica, IL built?

438 W 4th St, Pecatonica, IL was built in 1946, making it 80 years old.

What schools serve 438 W 4th St, Pecatonica, IL?

438 W 4th St, Pecatonica, IL is assigned to Pecatonica Elementary School (elementary), rated B; Pecatonica Community Middle School (middle), rated C; Pecatonica High School (high), rated C. All sit in Pecatonica Community Unit School District 321. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 438 W 4th St, Pecatonica, IL compare to other homes in Pecatonica 61063?

Among the 1,294 homes in Pecatonica 61063, it is worth more than 53% of them ($205,281 against a typical $198,714), its price per square foot is higher than 38% of them ($127 against a typical $140), it is bigger than 66% of them (1,617 ft² against a typical 1,404 ft²), its lot is bigger than 19% of them (0.23 ac against a typical 0.33 ac) and it is newer than 34% of them (1946 against a typical 1965). Measured against all of Winnebago County, it is worth more than 51% 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 438 W 4th St, Pecatonica, IL?

The 2025 property tax bill for 438 W 4th St, Pecatonica, IL was $3,924. The county assessed it at $62,235.

Closest homes

More homes in Pecatonica 61063

Assigned schools

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