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8A144 Liberty Bell Ct, Apple River, IL, 61001

3beds
3baths
2,150sqft
$371,776
$173price/sqft
$2,778/moest. monthly cost
$111,120/yrincome needed

About This Home

Apple Canyon Lake house with transferable dock just down the street at 8-148-7. Located in an excellent location offering views to the west and north to the lake. Sitting on a spacious, level yard is this updated three bedroom, three full bath lake house getaway. No shortage of storage with a detached three car garage (26’7 deep & 31’3 wide) with work bench & water. An additional one car attached under (26’2 X 13’3) adds even more space for all the lake toys. Main floor offers three bedrooms, with one primary and attached private bath plus a walk-in closet. Updated kitchen is the central hub with dining space and living room adjoining and a beautiful gas fireplace as a focal point. Large windows looking over the deck to the west. Lower level offers an additional living space with a family room adorned with second gas fireplace. A third full bath and large bonus room round out the lower level. Slider door access out to the deck on main level as well as out to patio on the lower. Exception space for entertaining and easy access to the lake. Tons of storage. Covenants & restrictions apply. Annual dues and fees apply.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

8/10
Warren Elementary SchoolGrades PK-59.8 mi
7/10
Warren Jr/Sr High SchoolGrades 6-129.8 mi

Construction

Condition

  • Year built: 1975

Materials

  • Roof: Shingle
  • Construction materials: Siding,Vinyl

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Stove/Cooktop,LP Gas Tank Rented,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Sump Pump,Finished

Bedroom2

  • Level: Main
  • Area: 148.1667

Bedroom3

  • Level: Main
  • Area: 97.5

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main
  • Area: 89.4306

Family Room

  • Level: Lower
  • Area: 343.3681

Features

  • L.L. Finished Space,Ceiling-Vaults/Cathedral,Walk-In Closet(s)
  • Number of fireplaces: 2
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 750
  • Finished area above ground: 1,400

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,150
  • Total interior livable area: 2,150 sqft

Kitchen

  • Level: Main
  • Area: 76

Living Room

  • Level: Main
  • Area: 351.8472

Master Bedroom

  • Level: Main
  • Area: 153.1736

Property

Details

  • Parcel number: 1800814400

Features

  • Patio & porch: Patio
  • Exterior features: Transferable Boat Slip
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 0.50 Acres
  • Features: County Taxes,Covenants,Restrictions

Parking

  • Total spaces: 4
  • Parking features: Attached,Detached,Underground
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Drought
Ice Storm
Landslide
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
Other
Severe Storm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,879$22,548
Home Insurance *$273$3,276
Property Taxes $461$5,532
Electricity $165$1,984
Total$2,778$33,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,245/yr
40% on housing$83,340/yr
45% on housing$74,080/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$173This listing

vs Other Active Listings

Avg $/sqft

ZIP 61001$184
Jo Daviess County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 61001
Jo Daviess County$144

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-24Listed for sale$387,476

For Sale by Agent

AgentWESLEY COCAGNE
BrokerageColdwell Banker Network Realty

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