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Single Family ResidenceResidential
$413,917$132 / 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 91How 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

6434 CHARLES ST

ROCKFORD, IL 61108
4
Beds
3 / 2
Baths
3,127 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.
2.12 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
10
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

$414K
$378K low$450K high
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.$273,917
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$219,134
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.33%
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.$140,000
NORTHWEST BANK ROCKFORD · 8.5% 1 · recorded Jul 16, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,187 (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.$163,650 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$14,306
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$149,344
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$146,864
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$490,950

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.41
39
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
68
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
63
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.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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.Custom Design
CountyWINNEBAGO
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
ViewThe type of view from the property, or another feature of the site that affects value.Traffic
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 ft²Porch · 484 ft²

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

E
Cherry Valley Elementary SchoolB+
Elementary · Grades KG–5 · 0.8 mi
M
Flinn Middle SchoolC-
Middle · Grades 6–8 · 2.9 mi
H
East High SchoolF
High · Grades 9–12 · 3.1 mi

District: Rockford School District 205

Neighborhood · ZIP 61108These 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.87
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.40

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.16%
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.1.6%
PopulationHow many people live in this area.30,642
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,718 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,181
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,210
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%

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

6434 Charles 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.

  • Among the most valuable homes in Rockford 61108
  • Costs more per square foot than 69% of homes in Rockford 61108
  • Bigger than 97% of homes in Rockford 61108
  • Has a bigger lot than 93% of homes in Rockford 61108
  • Newer than 92% of homes in Rockford 61108

What homes are worth in Rockford 61108

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

This home
$114K$356K

This home is worth more than almost all homes in Rockford 61108.

How it measures up in Rockford 61108

The dot is this home. The mark in the middle is the typical home in Rockford 61108.

Estimated value$413,917
CheaperTypical $182,922Pricier

Pricier than almost all homes nearby

Price per ft²$132
CheaperTypical $117Pricier

Pricier than 69% of homes nearby

Living area3,127 ft²
SmallerTypical 1,648 ft²Bigger

Bigger than 97% of homes nearby

Lot size2.12 ac
SmallerTypical 0.24 acBigger

Bigger than 93% of homes nearby

Year built1994
OlderTypical 1962Newer

Newer than 92% of homes nearby

How 6434 Charles St ranks against every home in each area.
MeasureThis homeRockford 61108Winnebago County
Estimated valuepricier than$413,917almost all homes95% of homes
Price per ft²pricier than$13269% of homes57% of homes
Living areabigger than3,127 ft²97% of homes93% of homes
Lot sizebigger than2.12 ac93% of homes92% of homes
Year builtnewer than199492% of homes81% of homes

About 6434 Charles St

How much is 6434 Charles St, Rockford, IL worth?

The TopHap Estimate for 6434 Charles St, Rockford, IL is $413,917 as of Jul 14, 2026. The likely range is $377,990 to $449,844. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 6434 Charles St, Rockford, IL last sell?

6434 Charles St, Rockford, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 6434 Charles St, Rockford, IL?

6434 Charles St, Rockford, IL has 4 bedrooms, 3 bathrooms and 3,127 square feet of living space.

When was 6434 Charles St, Rockford, IL built?

6434 Charles St, Rockford, IL was built in 1994, making it 32 years old. It is a custom design home. The building has 2 stories.

What schools serve 6434 Charles St, Rockford, IL?

6434 Charles St, Rockford, IL is assigned to Cherry Valley Elementary School (elementary), rated B+; Flinn Middle School (middle), rated C-; East High School (high), rated F. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 6434 Charles St, Rockford, IL compare to other homes in Rockford 61108?

Among the 9,982 homes in Rockford 61108, it is worth more than almost all of them ($413,917 against a typical $182,922), its price per square foot is higher than 69% of them ($132 against a typical $117), it is bigger than 97% of them (3,127 ft² against a typical 1,648 ft²), its lot is bigger than 93% of them (2.12 ac against a typical 0.24 ac) and it is newer than 92% of them (1994 against a typical 1962). Measured against all of Winnebago County, it is worth more than 95% 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 6434 Charles St, Rockford, IL?

The 2025 property tax bill for 6434 Charles St, Rockford, IL was $12,187. The county assessed it at $163,650.

More homes on Charles St

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Assigned schools

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