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Single Family ResidenceResidential
$124,977$84 / 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
Last sold for $25,000 on Apr 8, 2008

523 PEARL ST

ROCKFORD, IL 61104
3
Beds
2
Baths
1,486 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.
3,049 ft²
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to 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

$125K
$117K low$133K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$25,000 · Apr 8, 2008
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.$124,977
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$99,982

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,326 (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.$32,345 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,892
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$29,453
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$29,027
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$97,035

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.0.70
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
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 · 240 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(2)

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 · 0.4 mi
H
East High SchoolF
High · Grades 9–12 · 0.8 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.Yes

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

523 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 less than 86% of homes in Highland Area
  • Costs less per square foot than 81% of homes in Winnebago County
  • Among the smallest lots in Highland Area
  • Newer than 87% of homes in Rockford 61104

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
$47K$189K

This home is worth more than 69% 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$124,977
CheaperTypical $102,594Pricier

Pricier than 69% of homes nearby

Price per ft²$84
CheaperTypical $76Pricier

Pricier than 62% of homes nearby

Living area1,486 ft²
SmallerTypical 1,584 ft²Bigger

Bigger than 43% of homes nearby

Lot size3,049 ft²
SmallerTypical 0.17 acBigger

Smaller than almost all homes nearby

Year built1940
OlderTypical 1920Newer

Newer than 87% of homes nearby

How 523 Pearl St ranks against every home in each area.
MeasureThis homeHighland AreaRockford 61104Winnebago County
Estimated valuepricier than$124,97714% of homes69% of homes20% of homes
Price per ft²pricier than$8423% of homes62% of homes19% of homes
Living areabigger than1,486 ft²36% of homes43% of homes45% of homes
Lot sizebigger than3,049 ft²almost no homesalmost no homesalmost no homes
Year builtnewer than194083% of homes87% of homes20% of homes

About 523 Pearl St

How much is 523 Pearl St, Rockford, IL worth?

The TopHap Estimate for 523 Pearl St, Rockford, IL is $124,977 as of Jul 14, 2026. The likely range is $116,520 to $133,434. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 523 Pearl St, Rockford, IL last sell?

523 Pearl St, Rockford, IL last sold on Apr 8, 2008 for $25,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 523 Pearl St, Rockford, IL?

523 Pearl St, Rockford, IL has 3 bedrooms, 2 bathrooms, 1,486 square feet of living space and a 0.70-acre lot.

When was 523 Pearl St, Rockford, IL built?

523 Pearl St, Rockford, IL was built in 1940, making it 86 years old. The building has 2 stories.

What schools serve 523 Pearl St, Rockford, IL?

523 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 523 Pearl St, Rockford, IL compare to other homes in Rockford 61104?

Among the 4,606 homes in Rockford 61104, it is worth more than 69% of them ($124,977 against a typical $102,594), its price per square foot is higher than 62% of them ($84 against a typical $76), it is bigger than 43% of them (1,486 ft² against a typical 1,584 ft²), its lot is bigger than almost none of them (3,049 ft² against a typical 0.17 ac) and it is newer than 87% of them (1940 against a typical 1920). Measured against all of Winnebago County, it is worth more than 20% 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 523 Pearl St, Rockford, IL?

The 2025 property tax bill for 523 Pearl St, Rockford, IL was $2,326. The county assessed it at $32,345.

More homes on Pearl St

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Assigned schools

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