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Single Family ResidenceResidential
$110,476$83 / 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 90How 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 $30,500 on Jan 21, 2009

978 N CHURCH ST

ROCKFORD, IL 61103
4
Beds
1.5
Baths
1,332 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.
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
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.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$110K
$100K low$121K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$30,500 · Jan 21, 2009
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.$110,476
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$88,381

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$946 (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.$21,709 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$737
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$20,972
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$18,362
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$65,127

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.33
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.
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.

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.0.13
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, Detached
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.Alley
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 168 ft²

Transaction History(2)

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.

M
West Middle SchoolD
Middle · Grades 6–8 · 0.9 mi
E
Ellis Elementary SchoolC-
Elementary · Grades KG–5 · 1.5 mi
H
Auburn High SchoolD-
High · Grades 9–12 · 2.6 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

978 N Church 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 84% of homes in Winnebago County
  • Costs less per square foot than 81% of homes in Winnebago County
  • Smaller than 82% of homes in Signal Hill
  • Has a smaller lot than 96% of homes in Winnebago County
  • Older than 96% of homes in Winnebago County

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$475K

This home is worth more than 23% 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$110,476
CheaperTypical $136,820Pricier

Pricier than 23% of homes nearby

Price per ft²$83
CheaperTypical $91Pricier

Pricier than 35% of homes nearby

Living area1,332 ft²
SmallerTypical 1,564 ft²Bigger

Bigger than 32% of homes nearby

Lot size0.13 ac
SmallerTypical 0.17 acBigger

Bigger than 14% of homes nearby

Year built1900
OlderTypical 1940Newer

Newer than 10% of homes nearby

How 978 N Church St ranks against every home in each area.
MeasureThis homeSignal HillRockford 61103Winnebago County
Estimated valuepricier than$110,47634% of homes23% of homes16% of homes
Price per ft²pricier than$8363% of homes35% of homes19% of homes
Living areabigger than1,332 ft²18% of homes32% of homes33% of homes
Lot sizebigger than0.13 ac28% of homes14% of homes4% of homes
Year builtnewer than190033% of homes10% of homes4% of homes

About 978 N Church St

How much is 978 N Church St, Rockford, IL worth?

The TopHap Estimate for 978 N Church St, Rockford, IL is $110,476 as of Jul 14, 2026. The likely range is $99,871 to $121,081. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 978 N Church St, Rockford, IL last sell?

978 N Church St, Rockford, IL last sold on Jan 21, 2009 for $30,500, according to the county's recorded deed.

How big is 978 N Church St, Rockford, IL?

978 N Church St, Rockford, IL has 4 bedrooms, 1.5 bathrooms, 1,332 square feet of living space and a 0.13-acre lot.

When was 978 N Church St, Rockford, IL built?

978 N Church St, Rockford, IL was built in 1900, making it 126 years old. The building has 2 stories.

What schools serve 978 N Church St, Rockford, IL?

978 N Church 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 978 N Church St, Rockford, IL compare to other homes in Rockford 61103?

Among the 7,542 homes in Rockford 61103, it is worth more than 23% of them ($110,476 against a typical $136,820), its price per square foot is higher than 35% of them ($83 against a typical $91), it is bigger than 32% of them (1,332 ft² against a typical 1,564 ft²), its lot is bigger than 14% of them (0.13 ac against a typical 0.17 ac) and it is newer than 10% of them (1900 against a typical 1940). Measured against all of Winnebago County, it is worth more than 16% 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 978 N Church St, Rockford, IL?

The 2025 property tax bill for 978 N Church St, Rockford, IL was $946. The county assessed it at $21,709.

Closest homes

More homes in Rockford 61103

Assigned schools

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