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Single Family ResidenceResidential
$146,098$118 / 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 67How 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

427 VISTA TER

ROCKFORD, IL 61102
3
Beds
1
Baths
1,239 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1938
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

$146K
$97K low$195K 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.$60,158
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$48,126
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.$43,254
FIRST FEDERAL CAPITAL BANK · R · recorded Jun 1, 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.$32,686
FIRST FSB LA CROSSE MADISON
3rd 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.$10,000

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$12,832 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$445
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$12,387
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$11,515
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$38,496

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.37
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
23
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.
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
StyleThe architectural style of the home, such as ranch or colonial.Bungalow
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.23
ConstructionThe main material the home's frame and walls are built from.Brick
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, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Kennedy Middle SchoolD-
Middle · Grades 6–8 · 0.8 mi
E
Ellis Elementary SchoolC-
Elementary · Grades KG–5 · 1.0 mi
H
Auburn High SchoolD-
High · Grades 9–12 · 1.0 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

427 Vista Ter 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 97% of homes in West Gateway Coalition
  • Costs more per square foot than 97% of homes in West Gateway Coalition
  • Smaller than 74% of homes in Winnebago County
  • Has a bigger lot than 83% of homes in West Gateway Coalition
  • Older than 82% of homes in Winnebago County

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 68% 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$146,098
CheaperTypical $92,874Pricier

Pricier than 68% of homes nearby

Price per ft²$118
CheaperTypical $75Pricier

Pricier than 82% of homes nearby

Living area1,239 ft²
SmallerTypical 1,400 ft²Bigger

Bigger than 38% of homes nearby

Lot size0.23 ac
SmallerTypical 0.25 acBigger

Bigger than 47% of homes nearby

Year built1938
OlderTypical 1949Newer

Newer than 36% of homes nearby

How 427 Vista Ter ranks against every home in each area.
MeasureThis homeWest Gateway CoalitionRockford 61102Winnebago County
Estimated valuepricier than$146,09897% of homes68% of homes28% of homes
Price per ft²pricier than$11897% of homes82% of homes48% of homes
Living areabigger than1,239 ft²43% of homes38% of homes26% of homes
Lot sizebigger than0.23 ac83% of homes47% of homes39% of homes
Year builtnewer than193862% of homes36% of homes18% of homes

About 427 Vista Ter

How much is 427 Vista Ter, Rockford, IL worth?

The TopHap Estimate for 427 Vista Ter, Rockford, IL is $146,098 as of Jul 14, 2026. The likely range is $97,370 to $194,826. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 427 Vista Ter, Rockford, IL last sell?

427 Vista Ter, Rockford, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 427 Vista Ter, Rockford, IL?

427 Vista Ter, Rockford, IL has 3 bedrooms, 1 bathrooms, 1,239 square feet of living space and a 0.23-acre lot.

When was 427 Vista Ter, Rockford, IL built?

427 Vista Ter, Rockford, IL was built in 1938, making it 88 years old. It is a bungalow home. The building has 1 story.

What schools serve 427 Vista Ter, Rockford, IL?

427 Vista Ter, Rockford, IL is assigned to Kennedy 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 427 Vista Ter, Rockford, IL compare to other homes in Rockford 61102?

Among the 5,912 homes in Rockford 61102, it is worth more than 68% of them ($146,098 against a typical $92,874), its price per square foot is higher than 82% of them ($118 against a typical $75), it is bigger than 38% of them (1,239 ft² against a typical 1,400 ft²), its lot is bigger than 47% of them (0.23 ac against a typical 0.25 ac) and it is newer than 36% of them (1938 against a typical 1949). Measured against all of Winnebago County, it is worth more than 28% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

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Assigned schools

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