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Single Family ResidenceResidential
$284,672$104 / 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 95How 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 $192,000 on Sep 2, 2016

5405 CHOCTAW TRL

ROCKFORD, IL 61109
3
Beds
2.5
Baths
2,749 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.
1963
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
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

$285K
$271K low$298K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$192,000 · Sep 2, 2016
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.$134,672
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$107,738
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.53%
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.$135,000
UNION SVGS · 4% 2 · recorded Jul 20, 2017
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.$15,000
UNION SVGS

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,235 (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.$83,847 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,678
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$74,169
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$75,246
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$251,541

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.51
95
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
59
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.132 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyWINNEBAGO
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.Brick
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
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(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
Arthur W. Froberg Elementary SchoolD
Elementary · Grades KG–5 · 0.9 mi
H
Jefferson High SchoolF
High · Grades 9–12 · 1.1 mi
M
Flinn Middle SchoolC-
Middle · Grades 6–8 · 2.6 mi

District: Rockford School District 205

Neighborhood · ZIP 61109These 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.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.42

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.26,851
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.669 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,982
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,739
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

5405 Choctaw 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.

  • Among the most valuable homes in Bluffside Hights
  • Costs less per square foot than 84% of homes in Bluffside Hights
  • Among the largest homes in Bluffside Hights
  • Has a bigger lot than 89% of homes in Rockford 61109

What homes are worth in Rockford 61109

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

This home
$46K$395K

This home is worth more than 89% of homes in Rockford 61109.

How it measures up in Rockford 61109

The dot is this home. The mark in the middle is the typical home in Rockford 61109.

Estimated value$284,672
CheaperTypical $197,177Pricier

Pricier than 89% of homes nearby

Price per ft²$104
CheaperTypical $87Pricier

Pricier than 72% of homes nearby

Living area2,749 ft²
SmallerTypical 1,892 ft²Bigger

Bigger than 75% of homes nearby

Lot size0.78 ac
SmallerTypical 0.3 acBigger

Bigger than 89% of homes nearby

Year built1963
OlderTypical 1970Newer

Newer than 37% of homes nearby

How 5405 Choctaw Trl ranks against every home in each area.
MeasureThis homeBluffside HightsRockford 61109Winnebago County
Estimated valuepricier than$284,672almost all homes89% of homes76% of homes
Price per ft²pricier than$10416% of homes72% of homes36% of homes
Living areabigger than2,749 ft²almost all homes75% of homes89% of homes
Lot sizebigger than0.78 ac73% of homes89% of homes85% of homes
Year builtnewer than196336% of homes37% of homes48% of homes

About 5405 Choctaw Trl

How much is 5405 Choctaw Trl, Rockford, IL worth?

The TopHap Estimate for 5405 Choctaw Trl, Rockford, IL is $284,672 as of Jul 14, 2026. The likely range is $271,089 to $298,255. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 5405 Choctaw Trl, Rockford, IL last sell?

5405 Choctaw Trl, Rockford, IL last sold on Sep 2, 2016 for $192,000, according to the county's recorded deed.

How big is 5405 Choctaw Trl, Rockford, IL?

5405 Choctaw Trl, Rockford, IL has 3 bedrooms, 2.5 bathrooms, 2,749 square feet of living space and a 0.78-acre lot.

When was 5405 Choctaw Trl, Rockford, IL built?

5405 Choctaw Trl, Rockford, IL was built in 1963, making it 63 years old. It is a ranch home. The building has 1 story.

What schools serve 5405 Choctaw Trl, Rockford, IL?

5405 Choctaw Trl, Rockford, IL is assigned to Arthur W. Froberg Elementary School (elementary), rated D; Jefferson High School (high), rated F; Flinn Middle School (middle), rated C-. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 5405 Choctaw Trl, Rockford, IL compare to other homes in Rockford 61109?

Among the 8,748 homes in Rockford 61109, it is worth more than 89% of them ($284,672 against a typical $197,177), its price per square foot is higher than 72% of them ($104 against a typical $87), it is bigger than 75% of them (2,749 ft² against a typical 1,892 ft²), its lot is bigger than 89% of them (0.78 ac against a typical 0.3 ac) and it is newer than 37% of them (1963 against a typical 1970). Measured against all of Winnebago County, it is worth more than 76% 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 5405 Choctaw Trl, Rockford, IL?

The 2025 property tax bill for 5405 Choctaw Trl, Rockford, IL was $5,235. The county assessed it at $83,847.

Closest homes

More homes in Rockford 61109

Assigned schools

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