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Single Family ResidenceResidential
$64,352$80 / 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 89How 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 $24,000 on May 31, 2017

640 W COTTONWOOD ST

FREEPORT, IL 61032
2
Beds
1
Baths
800 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.
0.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1937
Year BuiltThe year the home was originally built, according to county records.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$64K
$57K low$71K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$24,000 · May 31, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,502 (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.$12,897 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$960
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$11,937
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$7,201
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$38,691

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.9 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
StyleThe architectural style of the home, such as ranch or colonial.Bungalow
CountySTEPHENSON
Lot (acres)The size of the land the home sits on, from county records.0.10
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

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

640 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 94% of homes in Stephenson County
  • Smaller than 98% of homes in Stephenson County
  • Has a smaller lot than 95% 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 8% 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$64,352
CheaperTypical $139,901Pricier

Pricier than 8% of homes nearby

Price per ft²$80
CheaperTypical $92Pricier

Pricier than 38% of homes nearby

Living area800 ft²
SmallerTypical 1,542 ft²Bigger

Bigger than 3% of homes nearby

Lot size0.1 ac
SmallerTypical 0.25 acBigger

Bigger than 7% of homes nearby

Year built1937
OlderTypical 1949Newer

Newer than 46% of homes nearby

How 640 W Cottonwood St ranks against every home in each area.
MeasureThis homeFreeport 61032Stephenson County
Estimated valuepricier than$64,3528% of homes6% of homes
Price per ft²pricier than$8038% of homes40% of homes
Living areabigger than800 ft²3% of homes2% of homes
Lot sizebigger than0.1 ac7% of homes5% of homes
Year builtnewer than193746% of homes43% of homes

About 640 W Cottonwood St

How much is 640 W Cottonwood St, Freeport, IL worth?

The TopHap Estimate for 640 W Cottonwood St, Freeport, IL is $64,352 as of Sep 24, 2026. The likely range is $57,493 to $71,211. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 W Cottonwood St, Freeport, IL last sell?

640 W Cottonwood St, Freeport, IL last sold on May 31, 2017 for $24,000, according to the county's recorded deed.

How big is 640 W Cottonwood St, Freeport, IL?

640 W Cottonwood St, Freeport, IL has 2 bedrooms, 1 bathrooms, 800 square feet of living space and a 0.10-acre lot.

When was 640 W Cottonwood St, Freeport, IL built?

640 W Cottonwood St, Freeport, IL was built in 1937, making it 89 years old. It is a bungalow home.

What schools serve 640 W Cottonwood St, Freeport, IL?

640 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 640 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 8% of them ($64,352 against a typical $139,901), its price per square foot is higher than 38% of them ($80 against a typical $92), it is bigger than 3% of them (800 ft² against a typical 1,542 ft²), its lot is bigger than 7% of them (0.1 ac against a typical 0.25 ac) and it is newer than 46% of them (1937 against a typical 1949). Measured against all of Stephenson County, it is worth more than 6% 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 640 W Cottonwood St, Freeport, IL?

The 2025 property tax bill for 640 W Cottonwood St, Freeport, IL was $1,502. The county assessed it at $12,897.

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