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Single Family ResidenceResidential
$133,759$103 / 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 92How 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 $55,000 on Feb 17, 2021

522 PEARL ST

ROCKFORD, IL 61104
3
Beds
1
Baths
1,299 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
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

$134K
$123K low$145K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$55,000 · Feb 17, 2021
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.$48,759
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$39,007
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.61%
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.$50,500
MIDWEST COMMUNITY BANK · 3.25% · recorded Feb 17, 2021
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.$34,500
FIRST COMMUNITY CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,101 (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.$33,776 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,082
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$28,694
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$26,736
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$101,328

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.32
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
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.
62
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.0.16
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
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 · 60 ft²

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.

M
Lincoln Middle SchoolD
Middle · Grades 6–8 · 0.5 mi
H
East High SchoolF
High · Grades 9–12 · 0.7 mi
E
Johnson Elementary SchoolC
Elementary · Grades KG–5 · 1.5 mi

District: Rockford School District 205

Neighborhood · ZIP 61104These 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.157
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 100.39

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.84%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.6.0%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.36%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.17,656
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,783 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$34,362
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$47,725
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

522 Pearl 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 more than 78% of homes in Rockford 61104
  • Costs more per square foot than 84% of homes in Rockford 61104
  • Smaller than 83% of homes in Highland Area
  • Has a smaller lot than 85% of homes in Winnebago County
  • Older than 91% of homes in Winnebago County

What homes are worth in Rockford 61104

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

This home
$49K$194K

This home is worth more than 78% of homes in Rockford 61104.

How it measures up in Rockford 61104

The dot is this home. The mark in the middle is the typical home in Rockford 61104.

Estimated value$133,759
CheaperTypical $102,544Pricier

Pricier than 78% of homes nearby

Price per ft²$103
CheaperTypical $75Pricier

Pricier than 84% of homes nearby

Living area1,299 ft²
SmallerTypical 1,583 ft²Bigger

Bigger than 29% of homes nearby

Lot size0.16 ac
SmallerTypical 0.17 acBigger

Bigger than 48% of homes nearby

Year built1920
OlderTypical 1920Newer

Newer than 53% of homes nearby

How 522 Pearl St ranks against every home in each area.
MeasureThis homeHighland AreaRockford 61104Winnebago County
Estimated valuepricier than$133,75924% of homes78% of homes24% of homes
Price per ft²pricier than$10365% of homes84% of homes35% of homes
Living areabigger than1,299 ft²17% of homes29% of homes31% of homes
Lot sizebigger than0.16 ac48% of homes48% of homes15% of homes
Year builtnewer than192040% of homes53% of homes9% of homes

About 522 Pearl St

How much is 522 Pearl St, Rockford, IL worth?

The TopHap Estimate for 522 Pearl St, Rockford, IL is $133,759 as of Jul 14, 2026. The likely range is $122,940 to $144,578. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 522 Pearl St, Rockford, IL last sell?

522 Pearl St, Rockford, IL last sold on Feb 17, 2021 for $55,000, according to the county's recorded deed.

How big is 522 Pearl St, Rockford, IL?

522 Pearl St, Rockford, IL has 3 bedrooms, 1 bathrooms, 1,299 square feet of living space and a 0.16-acre lot.

When was 522 Pearl St, Rockford, IL built?

522 Pearl St, Rockford, IL was built in 1920, making it 106 years old. The building has 1 story.

What schools serve 522 Pearl St, Rockford, IL?

522 Pearl St, Rockford, IL is assigned to Lincoln Middle School (middle), rated D; East High School (high), rated F; Johnson 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 522 Pearl St, Rockford, IL compare to other homes in Rockford 61104?

Among the 4,606 homes in Rockford 61104, it is worth more than 78% of them ($133,759 against a typical $102,544), its price per square foot is higher than 84% of them ($103 against a typical $75), it is bigger than 29% of them (1,299 ft² against a typical 1,583 ft²), its lot is bigger than 48% of them (0.16 ac against a typical 0.17 ac) and it is newer than 53% of them (1920 against a typical 1920). Measured against all of Winnebago County, it is worth more than 24% 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 522 Pearl St, Rockford, IL?

The 2025 property tax bill for 522 Pearl St, Rockford, IL was $2,101. The county assessed it at $33,776.

More homes on Pearl St

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Assigned schools

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