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Single Family ResidenceResidential
$95,076$85 / 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

1011 HARDING ST

ROCKFORD, IL 61102
3
Beds
1
Baths
1,120 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.
0.12 ac
Lot SizeThe size of the land the home sits on, from county records.
1964
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

$95K
$82K low$108K 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.$22,921
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$18,337
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.68%
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.$53,000
OAK STREET MORTGAGE LLC · recorded Nov 17, 2004
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.$19,155
WINNEBAGO COUNTY SCHOOLS CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,763 (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.$30,968 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$906
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$30,062
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$27,791
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$92,904

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.44
43
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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.Ranch
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.12
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

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

E
Washington Elementary SchoolD
Elementary · Grades KG–5 · 0.3 mi
M
RESA Middle SchoolD
Middle · Grades 6–8 · 0.9 mi
H
Jefferson High SchoolF
High · Grades 9–12 · 5.2 mi

District: Rockford School District 205

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

1011 Harding 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 89% of homes in Winnebago County
  • Costs less per square foot than 80% of homes in Winnebago County
  • Smaller than 81% of homes in Winnebago County
  • Has a smaller lot than 98% of homes in Swifft
  • Newer than 83% of homes in Swifft

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
$43K$407K

This home is worth more than 52% 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$95,076
CheaperTypical $92,874Pricier

Pricier than 52% of homes nearby

Price per ft²$85
CheaperTypical $75Pricier

Pricier than 63% of homes nearby

Living area1,120 ft²
SmallerTypical 1,400 ft²Bigger

Bigger than 29% of homes nearby

Lot size0.12 ac
SmallerTypical 0.25 acBigger

Bigger than 4% of homes nearby

Year built1964
OlderTypical 1949Newer

Newer than 72% of homes nearby

How 1011 Harding St ranks against every home in each area.
MeasureThis homeSwifftRockford 61102Winnebago County
Estimated valuepricier than$95,07664% of homes52% of homes11% of homes
Price per ft²pricier than$8572% of homes63% of homes20% of homes
Living areabigger than1,120 ft²37% of homes29% of homes19% of homes
Lot sizebigger than0.12 ac2% of homes4% of homes2% of homes
Year builtnewer than196483% of homes72% of homes49% of homes

About 1011 Harding St

How much is 1011 Harding St, Rockford, IL worth?

The TopHap Estimate for 1011 Harding St, Rockford, IL is $95,076 as of Jul 14, 2026. The likely range is $82,058 to $108,094. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1011 Harding St, Rockford, IL last sell?

1011 Harding St, Rockford, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1011 Harding St, Rockford, IL?

1011 Harding St, Rockford, IL has 3 bedrooms, 1 bathrooms, 1,120 square feet of living space and a 0.12-acre lot.

When was 1011 Harding St, Rockford, IL built?

1011 Harding St, Rockford, IL was built in 1964, making it 62 years old. It is a ranch home. The building has 1 story.

What schools serve 1011 Harding St, Rockford, IL?

1011 Harding St, Rockford, IL is assigned to Washington Elementary School (elementary), rated D; RESA Middle School (middle), rated D; Jefferson High School (high), rated F. All sit in Rockford School District 205. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1011 Harding St, Rockford, IL compare to other homes in Rockford 61102?

Among the 5,912 homes in Rockford 61102, it is worth more than 52% of them ($95,076 against a typical $92,874), its price per square foot is higher than 63% of them ($85 against a typical $75), it is bigger than 29% of them (1,120 ft² against a typical 1,400 ft²), its lot is bigger than 4% of them (0.12 ac against a typical 0.25 ac) and it is newer than 72% of them (1964 against a typical 1949). Measured against all of Winnebago County, it is worth more than 11% 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 1011 Harding St, Rockford, IL?

The 2025 property tax bill for 1011 Harding St, Rockford, IL was $1,763. The county assessed it at $30,968.

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