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Single Family ResidenceResidential
$85,280$41 / 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

646 N WINNEBAGO ST

ROCKFORD, IL 61103
2
Beds
1
Baths
2,056 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.
1940
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
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

$85K
$78K low$93K 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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.$1,900,000
AMCORE BANK · recorded Feb 15, 2006
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.$32,000
BMO HARRIS BANK NA

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$16,380 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$764
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$15,616
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$14,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$49,140

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.32
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
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.
31
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.11
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
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.

M
West Middle SchoolD
Middle · Grades 6–8 · 1.0 mi
E
Ellis Elementary SchoolC-
Elementary · Grades KG–5 · 1.1 mi
H
Auburn High SchoolD-
High · Grades 9–12 · 2.3 mi

District: Rockford School District 205

Neighborhood · ZIP 61103These 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.122
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 100.37

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.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.23%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.23,056
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,345 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$53,596
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$71,328
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

646 N Winnebago 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 96% of homes in Rockford 61103
  • Among the lowest price per square foot in Rockford 61103
  • Bigger than 78% of homes in Rockford 61103
  • Has a smaller lot than 98% of homes in Winnebago County
  • Newer than 90% of homes in Coronado Haskell

What homes are worth in Rockford 61103

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

This home
$74K$499K

This home is worth more than 4% of homes in Rockford 61103.

How it measures up in Rockford 61103

The dot is this home. The mark in the middle is the typical home in Rockford 61103.

Estimated value$85,280
CheaperTypical $136,903Pricier

Pricier than 4% of homes nearby

Price per ft²$41
CheaperTypical $91Pricier

Cheaper than almost all homes nearby

Living area2,056 ft²
SmallerTypical 1,564 ft²Bigger

Bigger than 78% of homes nearby

Lot size0.11 ac
SmallerTypical 0.17 acBigger

Bigger than 9% of homes nearby

Year built1940
OlderTypical 1940Newer

Newer than 53% of homes nearby

How 646 N Winnebago St ranks against every home in each area.
MeasureThis homeCoronado HaskellRockford 61103Winnebago County
Estimated valuepricier than$85,28062% of homes4% of homes9% of homes
Price per ft²pricier than$4120% of homesalmost no homesalmost no homes
Living areabigger than2,056 ft²65% of homes78% of homes74% of homes
Lot sizebigger than0.11 ac15% of homes9% of homes2% of homes
Year builtnewer than194090% of homes53% of homes20% of homes

About 646 N Winnebago St

How much is 646 N Winnebago St, Rockford, IL worth?

The TopHap Estimate for 646 N Winnebago St, Rockford, IL is $85,280 as of Jul 14, 2026. The likely range is $77,918 to $92,642. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 N Winnebago St, Rockford, IL last sell?

646 N Winnebago St, Rockford, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 646 N Winnebago St, Rockford, IL?

646 N Winnebago St, Rockford, IL has 2 bedrooms, 1 bathrooms, 2,056 square feet of living space and a 0.11-acre lot.

When was 646 N Winnebago St, Rockford, IL built?

646 N Winnebago St, Rockford, IL was built in 1940, making it 86 years old. The building has 1 story.

What schools serve 646 N Winnebago St, Rockford, IL?

646 N Winnebago St, Rockford, IL is assigned to West Middle School (middle), rated D; Ellis Elementary School (elementary), rated C-; Auburn High School (high), rated D-. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 646 N Winnebago St, Rockford, IL compare to other homes in Rockford 61103?

Among the 7,542 homes in Rockford 61103, it is worth more than 4% of them ($85,280 against a typical $136,903), its price per square foot is higher than almost none of them ($41 against a typical $91), it is bigger than 78% of them (2,056 ft² against a typical 1,564 ft²), its lot is bigger than 9% of them (0.11 ac against a typical 0.17 ac) and it is newer than 53% of them (1940 against a typical 1940). Measured against all of Winnebago County, it is worth more than 9% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Rockford 61103

Assigned schools

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