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Rural ResidenceResidential
$204,906
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 Jun 25, 2026
Last sold for $68,600 on Dec 13, 2013

7713 HARBOR LIGHTS LN

ROCKFORD, IL 61103
0
Baths
0.8 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$205K
$177K low$233K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$68,600 · Dec 13, 2013
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.$48,906
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$39,125
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.76%
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.$95,000
NORTHWEST BK/ROCKFORD · recorded Oct 28, 2014
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.$61,000
NORTHWEST BANK ROCKFORD

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,736 (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.$41,832 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$28,024
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$13,808
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$37,551
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$125,496

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
97
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
25
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
69
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
64
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.115 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
Lot (acres)The size of the land the home sits on, from county records.0.80
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.

Foreclosure Filings(1)

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

E
West View Elementary SchoolB-
Elementary · Grades KG–5 · 4.5 mi
M
West Middle SchoolD
Middle · Grades 6–8 · 5.8 mi
H
Auburn High SchoolD-
High · Grades 9–12 · 7.1 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

7713 Harbor Lights Ln 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 81% of homes in Rockford 61103
  • Has a bigger lot than 94% of homes in Rockford 61103

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
$75K$499K

This home is worth more than 81% 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$204,906
CheaperTypical $136,750Pricier

Pricier than 81% of homes nearby

Lot size0.8 ac
SmallerTypical 0.17 acBigger

Bigger than 94% of homes nearby

How 7713 Harbor Lights Ln ranks against every home in each area.
MeasureThis homeRockford 61103Winnebago County
Estimated valuepricier than$204,90681% of homes51% of homes
Lot sizebigger than0.8 ac94% of homes86% of homes

About 7713 Harbor Lights Ln

How much is 7713 Harbor Lights Ln, Rockford, IL worth?

The TopHap Estimate for 7713 Harbor Lights Ln, Rockford, IL is $204,906 as of Jun 25, 2026. The likely range is $177,212 to $232,600. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 7713 Harbor Lights Ln, Rockford, IL last sell?

7713 Harbor Lights Ln, Rockford, IL last sold on Dec 13, 2013 for $68,600, according to the county's recorded deed.

What schools serve 7713 Harbor Lights Ln, Rockford, IL?

7713 Harbor Lights Ln, Rockford, IL is assigned to West View Elementary School (elementary), rated B-; West Middle School (middle), rated D; 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 7713 Harbor Lights Ln, Rockford, IL compare to other homes in Rockford 61103?

Among the 7,542 homes in Rockford 61103, it is worth more than 81% of them ($204,906 against a typical $136,750) and its lot is bigger than 94% of them (0.8 ac against a typical 0.17 ac). Measured against all of Winnebago County, it is worth more than 51% 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 7713 Harbor Lights Ln, Rockford, IL?

The 2025 property tax bill for 7713 Harbor Lights Ln, Rockford, IL was $2,736. The county assessed it at $41,832.

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Assigned schools

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