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Single Family ResidenceResidential
$390,329$178 / 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
Last sold for $23,500 on Oct 15, 1999

6865 STONE COTTAGE RD

ROCKFORD, IL 61114
3
Beds
3
Baths
2,192 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.
0.31 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
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

$390K
$357K low$424K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$23,500 · Oct 15, 1999
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.$316,379
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$253,103
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.20%
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.$73,950
PINNACLE BANCORP INC · recorded Oct 18, 1999

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,022 (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.$113,182 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,011
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$97,171
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$101,573
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$339,546

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.
62
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
StyleThe architectural style of the home, such as ranch or colonial.Custom Design
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.31
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(4)

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.

H
Guilford High SchoolD
High · Grades 9–12 · 1.3 mi
E
Spring Creek Elementary SchoolC-
Elementary · Grades KG–5 · 1.7 mi
M
Eisenhower Middle SchoolD
Middle · Grades 6–8 · 3.1 mi

District: Rockford School District 205

Neighborhood · ZIP 61114These 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.53
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 100.38

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.15,641
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,943 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$86,141
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,567
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.34 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

6865 Stone Cottage Rd 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 more than 94% of homes in Winnebago County
  • Costs more per square foot than 91% of homes in Rockford 61114
  • Bigger than 78% of homes in Winnebago County
  • Newer than 89% of homes in Rockford 61114

What homes are worth in Rockford 61114

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

This home
$120K$564K

This home is worth more than 88% of homes in Rockford 61114.

How it measures up in Rockford 61114

The dot is this home. The mark in the middle is the typical home in Rockford 61114.

Estimated value$390,329
CheaperTypical $278,546Pricier

Pricier than 88% of homes nearby

Price per ft²$178
CheaperTypical $131Pricier

Pricier than 91% of homes nearby

Living area2,192 ft²
SmallerTypical 2,196 ft²Bigger

Bigger than 50% of homes nearby

Lot size0.31 ac
SmallerTypical 0.33 acBigger

Bigger than 45% of homes nearby

Year built1999
OlderTypical 1981Newer

Newer than 89% of homes nearby

How 6865 Stone Cottage Rd ranks against every home in each area.
MeasureThis homeRockford 61114Winnebago County
Estimated valuepricier than$390,32988% of homes94% of homes
Price per ft²pricier than$17891% of homes82% of homes
Living areabigger than2,192 ft²50% of homes78% of homes
Lot sizebigger than0.31 ac45% of homes56% of homes
Year builtnewer than199989% of homes87% of homes

About 6865 Stone Cottage Rd

How much is 6865 Stone Cottage Rd, Rockford, IL worth?

The TopHap Estimate for 6865 Stone Cottage Rd, Rockford, IL is $390,329 as of Jul 14, 2026. The likely range is $357,023 to $423,635. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 6865 Stone Cottage Rd, Rockford, IL last sell?

6865 Stone Cottage Rd, Rockford, IL last sold on Oct 15, 1999 for $23,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 6865 Stone Cottage Rd, Rockford, IL?

6865 Stone Cottage Rd, Rockford, IL has 3 bedrooms, 3 bathrooms, 2,192 square feet of living space and a 0.31-acre lot.

When was 6865 Stone Cottage Rd, Rockford, IL built?

6865 Stone Cottage Rd, Rockford, IL was built in 1999, making it 27 years old. It is a custom design home. The building has 1 story.

What schools serve 6865 Stone Cottage Rd, Rockford, IL?

6865 Stone Cottage Rd, Rockford, IL is assigned to Guilford High School (high), rated D; Spring Creek Elementary School (elementary), rated C-; Eisenhower Middle School (middle), rated D. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 6865 Stone Cottage Rd, Rockford, IL compare to other homes in Rockford 61114?

Among the 5,393 homes in Rockford 61114, it is worth more than 88% of them ($390,329 against a typical $278,546), its price per square foot is higher than 91% of them ($178 against a typical $131), it is bigger than 50% of them (2,192 ft² against a typical 2,196 ft²), its lot is bigger than 45% of them (0.31 ac against a typical 0.33 ac) and it is newer than 89% of them (1999 against a typical 1981). Measured against all of Winnebago County, it is worth more than 94% 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 6865 Stone Cottage Rd, Rockford, IL?

The 2025 property tax bill for 6865 Stone Cottage Rd, Rockford, IL was $9,022. The county assessed it at $113,182.

Closest homes

More homes in Rockford 61114

Assigned schools

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