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Single Family ResidenceResidential
$410,781
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 83How 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 $12,500 on Aug 1, 2003

8820 WINTER ST

ROCK FALLS, IL 61071
0
Baths
1.35 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$411K
$339K low$482K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$12,500 · Aug 1, 2003
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.$70,781
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$56,625
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.80%
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.$190,000
FIRST FEDERAL SAVINGS BANK · recorded Oct 12, 2012
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.$150,000
SAUK VALLEY BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,276 (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.$104,762 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,741
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$99,021
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$92,383
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$314,286

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.38
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
74
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
71
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.
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.minimal

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
CountyWHITESIDE
Lot (acres)The size of the land the home sits on, from county records.1.35
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

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
Montmorency Ccsd #145C
Elementary · Grades KG–8 · 0.6 mi
H
Rock Falls Township High SchoolC-
High · Grades 9–12 · 4.7 mi

District: Rock Falls Township High School District 301

Neighborhood · ZIP 61071These 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.121
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.42

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.12,838
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.168 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,685
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$72,090
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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.Yes

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

8820 Winter 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 most valuable homes in Rock Falls 61071
  • Has a bigger lot than 94% of homes in Rock Falls 61071

What homes are worth in Rock Falls 61071

Each bar is how many homes fall in that price range. The marker is this home.

This home
$42K$345K

This home is worth more than almost all homes in Rock Falls 61071.

How it measures up in Rock Falls 61071

The dot is this home. The mark in the middle is the typical home in Rock Falls 61071.

Estimated value$410,781
CheaperTypical $118,090Pricier

Pricier than almost all homes nearby

Lot size1.35 ac
SmallerTypical 0.25 acBigger

Bigger than 94% of homes nearby

How 8820 Winter St ranks against every home in each area.
MeasureThis homeRock Falls 61071Whiteside County
Estimated valuepricier than$410,781almost all homesalmost all homes
Lot sizebigger than1.35 ac94% of homes88% of homes

About 8820 Winter St

How much is 8820 Winter St, Rock Falls, IL worth?

The TopHap Estimate for 8820 Winter St, Rock Falls, IL is $410,781 as of Jul 14, 2026. The likely range is $339,210 to $482,352. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 8820 Winter St, Rock Falls, IL last sell?

8820 Winter St, Rock Falls, IL last sold on Aug 1, 2003 for $12,500, according to the county's recorded deed.

What schools serve 8820 Winter St, Rock Falls, IL?

8820 Winter St, Rock Falls, IL is assigned to Montmorency Ccsd #145 (elementary), rated C; Rock Falls Township High School (high), rated C-. All sit in Rock Falls Township High School District 301. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 8820 Winter St, Rock Falls, IL compare to other homes in Rock Falls 61071?

Among the 5,302 homes in Rock Falls 61071, it is worth more than almost all of them ($410,781 against a typical $118,090) and its lot is bigger than 94% of them (1.35 ac against a typical 0.25 ac). Measured against all of Whiteside County, it is worth more than almost all 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 8820 Winter St, Rock Falls, IL?

The 2025 property tax bill for 8820 Winter St, Rock Falls, IL was $8,276. The county assessed it at $104,762.

More homes on Winter St

Closest homes

More homes in Rock Falls 61071

Assigned schools

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