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Single Family ResidenceResidential
$206,993
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 97How 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

4657 BLACK OAK TRL

ROCKFORD, IL 61101
0
Baths
0.66 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$207K
$200K low$214K 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.$52,993
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$42,394
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.80%
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.$154,000
MORTGAGE MORTGAGE · 7.13% 2 · recorded Jun 26, 2026

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.38
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
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.
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
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.66
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

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
West View Elementary SchoolB-
Elementary · Grades KG–5 · 2.7 mi
H
Auburn High SchoolD-
High · Grades 9–12 · 2.8 mi
M
West Middle SchoolD
Middle · Grades 6–8 · 3.0 mi

District: Rockford School District 205

Neighborhood · ZIP 61101These 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.131
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.39

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.7%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.30%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.19,188
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.457 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$50,496
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$62,438
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

4657 Black Oak Trl 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 87% of homes in Rockford 61101
  • Has a bigger lot than 86% of homes in Rockford 61101

What homes are worth in Rockford 61101

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

This home
$49K$327K

This home is worth more than 87% of homes in Rockford 61101.

How it measures up in Rockford 61101

The dot is this home. The mark in the middle is the typical home in Rockford 61101.

Estimated value$206,993
CheaperTypical $99,921Pricier

Pricier than 87% of homes nearby

Lot size0.66 ac
SmallerTypical 0.18 acBigger

Bigger than 86% of homes nearby

How 4657 Black Oak Trl ranks against every home in each area.
MeasureThis homeRockford 61101Winnebago County
Estimated valuepricier than$206,99387% of homes51% of homes
Lot sizebigger than0.66 ac86% of homes82% of homes

About 4657 Black Oak Trl

How much is 4657 Black Oak Trl, Rockford, IL worth?

The TopHap Estimate for 4657 Black Oak Trl, Rockford, IL is $206,993 as of Jul 14, 2026. The likely range is $199,758 to $214,228. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4657 Black Oak Trl, Rockford, IL last sell?

4657 Black Oak Trl, Rockford, IL last sold on Jun 26, 2026, according to the county's recorded deed.

What schools serve 4657 Black Oak Trl, Rockford, IL?

4657 Black Oak Trl, Rockford, IL is assigned to West View Elementary School (elementary), rated B-; Auburn High School (high), rated D-; West Middle School (middle), rated D. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4657 Black Oak Trl, Rockford, IL compare to other homes in Rockford 61101?

Among the 6,665 homes in Rockford 61101, it is worth more than 87% of them ($206,993 against a typical $99,921) and its lot is bigger than 86% of them (0.66 ac against a typical 0.18 ac). 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.

Closest homes

More homes in Rockford 61101

Assigned schools

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