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Single Family ResidenceResidential
$174,281$107 / 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 $88,000 on Aug 1, 2003

538 S RIVER ST

JANESVILLE, WI 53548
3
Beds
2
Baths
1,628 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1890
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

$174K
$162K low$187K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$88,000 · Aug 1, 2003
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.$108,681
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$86,945
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.36%
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.$45,600
BLACKHAWK COMMUNITY CU · recorded Jan 5, 2011
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.$20,000
BLACKHAWK COMMUNITY CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,376 (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.$146,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$136,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$146,500

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.17 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.minimal

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
StyleThe architectural style of the home, such as ranch or colonial.Old Style
CountyRock
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1920
Lot (acres)The size of the land the home sits on, from county records.0.14
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 48 ft²Patio · 48 ft²Porch · 164 ft²

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

E
Wilson Elementary SchoolD
Elementary · Grades KG–5 · 0.4 mi
M
Franklin Middle SchoolC-
Middle · Grades 6–8 · 1.8 mi
H
Parker High SchoolD+
High · Grades 9–12 · 2.4 mi

District: Janesville School District

Neighborhood · ZIP 53548These 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.92
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.30

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.20,818
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.284 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,018
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,665
Average tempThe average temperature here across a full year.47°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.54%

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

538 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 82% of homes in Janesville 53548
  • Costs less per square foot than 93% of homes in Rock County
  • Bigger than 68% of homes in Rock County
  • Has a smaller lot than 92% of homes in Rock County
  • Older than 94% of homes in Rock County

What homes are worth in Janesville 53548

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

This home
$94K$757K

This home is worth more than 18% of homes in Janesville 53548.

How it measures up in Janesville 53548

The dot is this home. The mark in the middle is the typical home in Janesville 53548.

Estimated value$174,281
CheaperTypical $280,842Pricier

Pricier than 18% of homes nearby

Price per ft²$107
CheaperTypical $191Pricier

Pricier than 9% of homes nearby

Living area1,628 ft²
SmallerTypical 1,448 ft²Bigger

Bigger than 63% of homes nearby

Lot size0.14 ac
SmallerTypical 0.24 acBigger

Bigger than 10% of homes nearby

Year built1890
OlderTypical 1962Newer

Newer than 14% of homes nearby

How 538 S River St ranks against every home in each area.
MeasureThis homeJanesville 53548Rock County
Estimated valuepricier than$174,28118% of homes18% of homes
Price per ft²pricier than$1079% of homes7% of homes
Living areabigger than1,628 ft²63% of homes68% of homes
Lot sizebigger than0.14 ac10% of homes8% of homes
Year builtnewer than189014% of homes6% of homes

About 538 S River St

How much is 538 S River St, Janesville, WI worth?

The TopHap Estimate for 538 S River St, Janesville, WI is $174,281 as of Jul 14, 2026. The likely range is $161,535 to $187,027. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 538 S River St, Janesville, WI last sell?

538 S River St, Janesville, WI last sold on Aug 1, 2003 for $88,000, according to the county's recorded deed.

How big is 538 S River St, Janesville, WI?

538 S River St, Janesville, WI has 3 bedrooms, 2 bathrooms, 1,628 square feet of living space and a 0.14-acre lot.

When was 538 S River St, Janesville, WI built?

538 S River St, Janesville, WI was built in 1890, making it 136 years old. It is a old style home. The building has 2 stories.

What schools serve 538 S River St, Janesville, WI?

538 S River St, Janesville, WI is assigned to Wilson Elementary School (elementary), rated D; Franklin Middle School (middle), rated C-; Parker High School (high), rated D+. All sit in Janesville School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 538 S River St, Janesville, WI compare to other homes in Janesville 53548?

Among the 6,715 homes in Janesville 53548, it is worth more than 18% of them ($174,281 against a typical $280,842), its price per square foot is higher than 9% of them ($107 against a typical $191), it is bigger than 63% of them (1,628 ft² against a typical 1,448 ft²), its lot is bigger than 10% of them (0.14 ac against a typical 0.24 ac) and it is newer than 14% of them (1890 against a typical 1962). Measured against all of Rock County, it is worth more than 18% 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 538 S River St, Janesville, WI?

The 2025 property tax bill for 538 S River St, Janesville, WI was $2,376. The county assessed it at $146,500.

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Assigned schools

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