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Residential - Vacant LandResidential
$72,497
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 95How 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

520 LOCUST ST

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

Valuation

$72K
$69K low$76K 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.$33,297
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$26,638
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.54%
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.$39,200
EQUICREDIT CORP · recorded Mar 6, 2000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$73 (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.$827 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$827
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$742
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$2,481

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.32
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.
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.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential - Vacant Land
CountyWINNEBAGO
Lot (acres)The size of the land the home sits on, from county records.0.11
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.

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

E
Ellis Elementary SchoolC-
Elementary · Grades KG–5 · 1.0 mi
M
West Middle SchoolD
Middle · Grades 6–8 · 1.1 mi
H
Auburn High SchoolD-
High · Grades 9–12 · 2.3 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.Absentee owner
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

520 Locust 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.

  • Among the least valuable homes in Rockford 61103
  • Has a smaller lot than 98% 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$504K

This home is worth less than almost all 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$72,497
CheaperTypical $136,888Pricier

Cheaper than almost all homes nearby

Lot size0.11 ac
SmallerTypical 0.17 acBigger

Bigger than 8% of homes nearby

How 520 Locust St ranks against every home in each area.
MeasureThis homeCoronado HaskellRockford 61103Winnebago County
Estimated valuepricier than$72,49736% of homesalmost no homes5% of homes
Lot sizebigger than0.11 ac15% of homes8% of homes2% of homes

About 520 Locust St

How much is 520 Locust St, Rockford, IL worth?

The TopHap Estimate for 520 Locust St, Rockford, IL is $72,497 as of Jul 14, 2026. The likely range is $68,584 to $76,410. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 520 Locust St, Rockford, IL last sell?

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

What schools serve 520 Locust St, Rockford, IL?

520 Locust St, Rockford, IL is assigned to Ellis Elementary School (elementary), rated C-; 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 520 Locust St, Rockford, IL compare to other homes in Rockford 61103?

Among the 7,542 homes in Rockford 61103, it is worth more than almost none of them ($72,497 against a typical $136,888) and its lot is bigger than 8% of them (0.11 ac against a typical 0.17 ac). Measured against all of Winnebago County, it is worth more than 5% 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 520 Locust St, Rockford, IL?

The 2025 property tax bill for 520 Locust St, Rockford, IL was $73. The county assessed it at $827.

More homes on Locust St

Closest homes

More homes in Rockford 61103

Assigned schools

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