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Single Family ResidenceResidential
$89,900$59 / 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 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $20,501 on Apr 21, 2020

639 W COTTONWOOD ST

FREEPORT, IL 61032
4
Beds
1
Baths
1,526 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1917
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$90K
$79K low$101K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$20,501 · Apr 21, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,329 (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.$20,005 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$997
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$19,008
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$10,610
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$60,015

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.7 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.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
CountySTEPHENSON
Lot (acres)The size of the land the home sits on, from county records.0.11
GarageWhether the property has a garage, and details like whether it is attached to the home.No Garage
PoolWhether the property has a pool, and what kind, such as in-ground.No

Foreclosure Filings(2)

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

H
Freeport High SchoolD-
High · Grades 9–12 · 0.8 mi
M
Freeport Middle SchoolD-
Middle · Grades 7–8 · 0.9 mi
E
Empire Elementary SchoolF
Elementary · Grades PK–4 · 1.2 mi

District: Freeport School District 145

Neighborhood · ZIP 61032These 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.108
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 100.29

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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
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.28,326
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.191 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$56,467
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$69,841
Average tempThe average temperature here across a full year.48°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.52%

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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

639 W Cottonwood 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 85% of homes in Stephenson County
  • Costs less per square foot than 85% of homes in Freeport 61032
  • Smaller than 65% of homes in Stephenson County
  • Has a smaller lot than 95% of homes in Stephenson County
  • Older than 66% of homes in Stephenson County

What homes are worth in Freeport 61032

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

This home
$47K$441K

This home is worth more than 22% of homes in Freeport 61032.

How it measures up in Freeport 61032

The dot is this home. The mark in the middle is the typical home in Freeport 61032.

Estimated value$89,900
CheaperTypical $139,901Pricier

Pricier than 22% of homes nearby

Price per ft²$59
CheaperTypical $92Pricier

Pricier than 15% of homes nearby

Living area1,526 ft²
SmallerTypical 1,542 ft²Bigger

Bigger than 49% of homes nearby

Lot size0.11 ac
SmallerTypical 0.25 acBigger

Bigger than 8% of homes nearby

Year built1917
OlderTypical 1949Newer

Newer than 35% of homes nearby

How 639 W Cottonwood St ranks against every home in each area.
MeasureThis homeFreeport 61032Stephenson County
Estimated valuepricier than$89,90022% of homes15% of homes
Price per ft²pricier than$5915% of homes15% of homes
Living areabigger than1,526 ft²49% of homes35% of homes
Lot sizebigger than0.11 ac8% of homes5% of homes
Year builtnewer than191735% of homes34% of homes

About 639 W Cottonwood St

How much is 639 W Cottonwood St, Freeport, IL worth?

The TopHap Estimate for 639 W Cottonwood St, Freeport, IL is $89,900 as of Sep 24, 2026. The likely range is $78,623 to $101,177. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 639 W Cottonwood St, Freeport, IL last sell?

639 W Cottonwood St, Freeport, IL last sold on Apr 21, 2020 for $20,501, according to the county's recorded deed.

How big is 639 W Cottonwood St, Freeport, IL?

639 W Cottonwood St, Freeport, IL has 4 bedrooms, 1 bathrooms, 1,526 square feet of living space and a 0.11-acre lot.

When was 639 W Cottonwood St, Freeport, IL built?

639 W Cottonwood St, Freeport, IL was built in 1917, making it 109 years old. The building has 2 stories.

What schools serve 639 W Cottonwood St, Freeport, IL?

639 W Cottonwood St, Freeport, IL is assigned to Freeport High School (high), rated D-; Freeport Middle School (middle), rated D-; Empire Elementary School (elementary), rated F. All sit in Freeport School District 145. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 639 W Cottonwood St, Freeport, IL compare to other homes in Freeport 61032?

Among the 10,790 homes in Freeport 61032, it is worth more than 22% of them ($89,900 against a typical $139,901), its price per square foot is higher than 15% of them ($59 against a typical $92), it is bigger than 49% of them (1,526 ft² against a typical 1,542 ft²), its lot is bigger than 8% of them (0.11 ac against a typical 0.25 ac) and it is newer than 35% of them (1917 against a typical 1949). Measured against all of Stephenson County, it is worth more than 15% 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 639 W Cottonwood St, Freeport, IL?

The 2025 property tax bill for 639 W Cottonwood St, Freeport, IL was $2,329. The county assessed it at $20,005.

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