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10 Cayuga Trl, Galena, IL, 61036

3beds
3baths
1,814sqft
$249,900
$138price/sqft
$1,902/moest. monthly cost
$76,080/yrincome needed

About This Home

Don't miss out on 10 Cayuga! This retreat is nestled on over an acre of land surrounded by mature hardwood trees, this delightful home offers a serene retreat. The newly updated oversized two-sided deck is perfect for relaxing, watching wildlife, or enjoying the soothing sounds of nature. Let your family or pets run in the newly fenced yard. Inside, you'll find a well-appointed kitchen with a large island, ideal for meal preparation, entertaining or a place to enjoy meals. The spacious sunken living room features gleaming hardwood floors and a cozy wood burning fireplace, creating a warm and inviting atmosphere. The main floor also includes easy access to a full bath and two spacious bedrooms, with the primary bedroom boasting a private bathroom. The walkout lower level features a family room with a gas fireplace and modern finishes, as well as a third bedroom and an additional bathroom.The oversized two-car detached garage provides ample storage, a perk that many people desire! Now is your chance to own this peaceful retreat!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
8/10
3/10
River Ridge High SchoolGrades 9-125.3 mi

Construction

Condition

  • Year built: 1977

Materials

  • Roof: Shingle
  • Construction materials: Siding,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Microwave,Refrigerator,Stove/Cooktop,Water Softener,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Basement Entrance,Finished

Bedroom2

  • Level: Main
  • Area: 119.1667

Bedroom3

  • Level: Lower
  • Area: 125.5833

Bedrooms & Bathrooms

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

Family Room

  • Level: Lower
  • Area: 533.3333

Features

  • L.L. Finished Space
  • Window features: Window Treatments
  • Number of fireplaces: 2
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 806
  • Finished area above ground: 1,008

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,814
  • Total interior livable area: 1,814 sqft

Kitchen

  • Level: Main
  • Area: 203

Living Room

  • Level: Main
  • Area: 293.4028

Master Bedroom

  • Level: Main
  • Area: 158.3333

Property

Details

  • Parcel number: 0810502200

Features

  • Patio & porch: Deck

Lot

  • Lot size: 1.25 Acres
  • Features: Wooded,Covenants,Restrictions,Subdivided

Parking

  • Total spaces: 2
  • Parking features: Asphalt,Detached,Garage Door Opener,Gravel
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
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 $1,263$15,156
Home Insurance *$190$2,280
Property Taxes $310$3,720
Electricity $139$1,674
Total$1,902$22,824
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,211/yr
40% on housing$57,060/yr
45% on housing$50,720/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

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 61036$135
Jo Daviess County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 61036
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)

No zestimate history available

Price History

DateEventPrice
2026-04-14Listed for sale$275,000
2026-03-05Sold$260,000
2026-02-05Contingent$284,900
2026-01-08Price change$284,900
2025-12-07Listed for sale$289,900
2024-11-26Sold$225,000
2024-10-23Pending sale$249,900
2024-09-18Price change$249,900
2024-08-21Price change$275,000
2024-07-18Price change$299,000
2024-06-26Listed for sale$315,000
2022-07-25Sold$185,000
2022-06-09Contingent$185,000
2022-06-07Listed for sale$185,000
2014-08-14Listing removed$73,400
2014-07-19Pending sale$73,400
2014-07-05Price change$73,400
2014-06-05Price change$79,900
2014-05-04Price change$85,900
2014-04-05Price change$89,000
2014-03-06Price change$94,900
2014-02-03Listed for sale$102,400
2005-08-19Sold$174,000

For Sale by Agent

AgentGARRETT HILLARY
BrokerageKeller Williams Realty Signature

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