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Single Family ResidenceResidential
$208,280$92 / 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 93How 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

4430 SCARLET OAK DR

ROCKFORD, IL 61109
3
Beds
1.5
Baths
2,256 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.
0.72 ac
Lot SizeThe size of the land the home sits on, from county records.
1971
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$208K
$194K low$222K 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.$185,280
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$148,224
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.11%
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.$10,000
NATIONAL CITY BANK MICHIGAN · E · recorded Jul 7, 1999
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.$13,000
NATIONAL CITY BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,950 (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.$59,316 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,569
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$51,747
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$53,656
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$177,948

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.52
95
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
59
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
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.117 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

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.0.72
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
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

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

E
Arthur W. Froberg Elementary SchoolD
Elementary · Grades KG–5 · 0.4 mi
H
Jefferson High SchoolF
High · Grades 9–12 · 0.9 mi
M
Flinn Middle SchoolC-
Middle · Grades 6–8 · 1.6 mi

District: Rockford School District 205

Neighborhood · ZIP 61109These 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.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.42

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.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
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.26,851
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.669 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,982
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,739
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

4430 Scarlet Oak Dr 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.

  • Costs less per square foot than 73% of homes in Winnebago County
  • Bigger than 79% of homes in Winnebago County
  • Has a bigger lot than 87% of homes in Rockford 61109

What homes are worth in Rockford 61109

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

This home
$47K$405K

This home is worth more than 53% of homes in Rockford 61109.

How it measures up in Rockford 61109

The dot is this home. The mark in the middle is the typical home in Rockford 61109.

Estimated value$208,280
CheaperTypical $197,704Pricier

Pricier than 53% of homes nearby

Price per ft²$92
CheaperTypical $87Pricier

Pricier than 61% of homes nearby

Living area2,256 ft²
SmallerTypical 1,879 ft²Bigger

Bigger than 63% of homes nearby

Lot size0.72 ac
SmallerTypical 0.3 acBigger

Bigger than 87% of homes nearby

Year built1971
OlderTypical 1970Newer

Newer than 54% of homes nearby

How 4430 Scarlet Oak Dr ranks against every home in each area.
MeasureThis homeRockford 61109Winnebago County
Estimated valuepricier than$208,28053% of homes52% of homes
Price per ft²pricier than$9261% of homes27% of homes
Living areabigger than2,256 ft²63% of homes79% of homes
Lot sizebigger than0.72 ac87% of homes84% of homes
Year builtnewer than197154% of homes58% of homes

About 4430 Scarlet Oak Dr

How much is 4430 Scarlet Oak Dr, Rockford, IL worth?

The TopHap Estimate for 4430 Scarlet Oak Dr, Rockford, IL is $208,280 as of Jul 14, 2026. The likely range is $194,347 to $222,213. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4430 Scarlet Oak Dr, Rockford, IL last sell?

4430 Scarlet Oak Dr, Rockford, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 4430 Scarlet Oak Dr, Rockford, IL?

4430 Scarlet Oak Dr, Rockford, IL has 3 bedrooms, 1.5 bathrooms, 2,256 square feet of living space and a 0.72-acre lot.

When was 4430 Scarlet Oak Dr, Rockford, IL built?

4430 Scarlet Oak Dr, Rockford, IL was built in 1971, making it 55 years old. The building has 1 story.

What schools serve 4430 Scarlet Oak Dr, Rockford, IL?

4430 Scarlet Oak Dr, Rockford, IL is assigned to Arthur W. Froberg Elementary School (elementary), rated D; Jefferson High School (high), rated F; Flinn Middle School (middle), rated C-. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4430 Scarlet Oak Dr, Rockford, IL compare to other homes in Rockford 61109?

Among the 8,748 homes in Rockford 61109, it is worth more than 53% of them ($208,280 against a typical $197,704), its price per square foot is higher than 61% of them ($92 against a typical $87), it is bigger than 63% of them (2,256 ft² against a typical 1,879 ft²), its lot is bigger than 87% of them (0.72 ac against a typical 0.3 ac) and it is newer than 54% of them (1971 against a typical 1970). Measured against all of Winnebago County, it is worth more than 52% 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 4430 Scarlet Oak Dr, Rockford, IL?

The 2025 property tax bill for 4430 Scarlet Oak Dr, Rockford, IL was $3,950. The county assessed it at $59,316.

Closest homes

More homes in Rockford 61109

Assigned schools

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