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Rural ResidenceResidential
$335,770$152 / 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 86How 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

7185 MONTAGUE RD

ROCKFORD, IL 61102
5
Beds
2.5
Baths
2,213 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.
1.85 ac
Lot SizeThe size of the land the home sits on, from county records.
1966
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$336K
$288K low$383K 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.$84,370
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$67,496
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.72%
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.$126,400
BANC ONE MORTGAGE CORP · recorded Dec 30, 1998
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.$125,000
CITIBANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,365 (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.$96,347 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,236
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$80,111
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$86,752
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$289,041

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.57
98
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
28
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.122 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
CountyWINNEBAGO
ConstructionThe main material the home's frame and walls are built from.Brick
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 233 ft²

Transaction History(1)

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.

E
Dorothy Simon Elementary School
Elementary · Grades PK–2 · 4.1 mi
H
Winnebago High SchoolD
High · Grades 9–12 · 4.3 mi
M
Winnebago Middle SchoolC+
Middle · Grades 6–8 · 4.4 mi

District: Winnebago Community Unit School District 323

Neighborhood · ZIP 61102These 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.129
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.41

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.4%
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.1.4%
PopulationHow many people live in this area.17,742
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.531 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,970
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$60,941
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.36 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

7185 Montague 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 95% of homes in Rockford 61102
  • Costs more per square foot than 92% of homes in Rockford 61102
  • Bigger than 85% of homes in Rockford 61102
  • Has a bigger lot than 92% of homes in Winnebago County
  • Newer than 74% of homes in Rockford 61102

What homes are worth in Rockford 61102

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

This home
$44K$409K

This home is worth more than 95% of homes in Rockford 61102.

How it measures up in Rockford 61102

The dot is this home. The mark in the middle is the typical home in Rockford 61102.

Estimated value$335,770
CheaperTypical $93,383Pricier

Pricier than 95% of homes nearby

Price per ft²$152
CheaperTypical $75Pricier

Pricier than 92% of homes nearby

Living area2,213 ft²
SmallerTypical 1,396 ft²Bigger

Bigger than 85% of homes nearby

Lot size1.85 ac
SmallerTypical 0.24 acBigger

Bigger than 91% of homes nearby

Year built1966
OlderTypical 1949Newer

Newer than 74% of homes nearby

How 7185 Montague Rd ranks against every home in each area.
MeasureThis homeRockford 61102Winnebago County
Estimated valuepricier than$335,77095% of homes87% of homes
Price per ft²pricier than$15292% of homes69% of homes
Living areabigger than2,213 ft²85% of homes78% of homes
Lot sizebigger than1.85 ac91% of homes92% of homes
Year builtnewer than196674% of homes52% of homes

About 7185 Montague Rd

How much is 7185 Montague Rd, Rockford, IL worth?

The TopHap Estimate for 7185 Montague Rd, Rockford, IL is $335,770 as of Jul 14, 2026. The likely range is $288,161 to $383,379. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 7185 Montague Rd, Rockford, IL last sell?

7185 Montague Rd, Rockford, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 7185 Montague Rd, Rockford, IL?

7185 Montague Rd, Rockford, IL has 5 bedrooms, 2.5 bathrooms and 2,213 square feet of living space.

When was 7185 Montague Rd, Rockford, IL built?

7185 Montague Rd, Rockford, IL was built in 1966, making it 60 years old. The building has 1 story.

What schools serve 7185 Montague Rd, Rockford, IL?

7185 Montague Rd, Rockford, IL is assigned to Dorothy Simon Elementary School (elementary); Winnebago High School (high), rated D; Winnebago Middle School (middle), rated C+. All sit in Winnebago Community Unit School District 323. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 7185 Montague Rd, Rockford, IL compare to other homes in Rockford 61102?

Among the 5,912 homes in Rockford 61102, it is worth more than 95% of them ($335,770 against a typical $93,383), its price per square foot is higher than 92% of them ($152 against a typical $75), it is bigger than 85% of them (2,213 ft² against a typical 1,396 ft²), its lot is bigger than 91% of them (1.85 ac against a typical 0.24 ac) and it is newer than 74% of them (1966 against a typical 1949). Measured against all of Winnebago County, it is worth more than 87% 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 7185 Montague Rd, Rockford, IL?

The 2025 property tax bill for 7185 Montague Rd, Rockford, IL was $6,365. The county assessed it at $96,347.

Closest homes

More homes in Rockford 61102

Assigned schools

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