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Single Family ResidenceResidential
$226,332$146 / 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 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

523 S RIVER ST

MONTGOMERY, IL 60538
4
Beds
1
Baths
1,552 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.
0.78 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.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$226K
$204K low$248K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,634 (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.$86,633 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$19,586
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$67,047
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$79,197
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$260,003

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.26 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
CountyKANE
Lot (acres)The size of the land the home sits on, from county records.0.78
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FireplaceWhether the home has a fireplace, and what kind.Yes
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
Nicholson Elementary SchoolC
Elementary · Grades KG–5 · 0.7 mi
M
Washington Middle SchoolB-
Middle · Grades 6–8 · 2.7 mi
H
West Aurora High SchoolC-
High · Grades 9–12 · 2.8 mi

District: Aurora West Unit School District 129

Neighborhood · ZIP 60538These 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.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.52

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.29,644
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,993 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$83,697
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$100,549
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

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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 S River 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 95% of homes in Montgomery 60538
  • Costs less per square foot than 95% of homes in Kane County
  • Among the largest lots in Montgomery 60538
  • Among the oldest homes in Montgomery 60538

What homes are worth in Montgomery 60538

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

This home
$203K$470K

This home is worth more than 5% of homes in Montgomery 60538.

How it measures up in Montgomery 60538

The dot is this home. The mark in the middle is the typical home in Montgomery 60538.

Estimated value$226,332
CheaperTypical $311,175Pricier

Pricier than 5% of homes nearby

Price per ft²$146
CheaperTypical $195Pricier

Pricier than 7% of homes nearby

Living area1,552 ft²
SmallerTypical 1,625 ft²Bigger

Bigger than 45% of homes nearby

Lot size0.78 ac
SmallerTypical 0.21 acBigger

Bigger than almost all homes nearby

Year built1920
OlderTypical 1998Newer

Older than almost all homes nearby

How 523 S River St ranks against every home in each area.
MeasureThis homeMontgomery 60538Kane County
Estimated valuepricier than$226,3325% of homes9% of homes
Price per ft²pricier than$1467% of homes5% of homes
Living areabigger than1,552 ft²45% of homes40% of homes
Lot sizebigger than0.78 acalmost all homes88% of homes
Year builtnewer than1920almost no homes11% of homes

About 523 S River St

How much is 523 S River St, Montgomery, IL worth?

The TopHap Estimate for 523 S River St, Montgomery, IL is $226,332 as of Aug 30, 2026. The likely range is $204,422 to $248,242. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 523 S River St, Montgomery, IL last sell?

523 S River St, Montgomery, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 523 S River St, Montgomery, IL?

523 S River St, Montgomery, IL has 4 bedrooms, 1 bathrooms, 1,552 square feet of living space and a 0.78-acre lot.

When was 523 S River St, Montgomery, IL built?

523 S River St, Montgomery, IL was built in 1920, making it 106 years old. The building has 2 stories.

What schools serve 523 S River St, Montgomery, IL?

523 S River St, Montgomery, IL is assigned to Nicholson Elementary School (elementary), rated C; Washington Middle School (middle), rated B-; West Aurora High School (high), rated C-. All sit in Aurora West Unit School District 129. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 523 S River St, Montgomery, IL compare to other homes in Montgomery 60538?

Among the 9,148 homes in Montgomery 60538, it is worth more than 5% of them ($226,332 against a typical $311,175), its price per square foot is higher than 7% of them ($146 against a typical $195), it is bigger than 45% of them (1,552 ft² against a typical 1,625 ft²), its lot is bigger than almost all of them (0.78 ac against a typical 0.21 ac) and it is newer than almost none of them (1920 against a typical 1998). Measured against all of Kane County, it is worth more than 9% 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 S River St, Montgomery, IL?

The 2025 property tax bill for 523 S River St, Montgomery, IL was $3,634. The county assessed it at $86,633.

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Assigned schools

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