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4750 W Stephenson Street Rd, Freeport, IL, 61032

4beds
5baths
3,198sqft
$683,000
$214price/sqft
$5,548/moest. monthly cost
$221,920/yrincome needed

About This Home

7 ACRES * HILLSIDE RANCH HOME * FINISHED BASEMENT * 3 OUTBUILDINGS * CREEK Tucked away at the end of a long drive, this remarkable 7-acre retreat offers the peace, privacy, and natural beauty that so many buyers dream about but rarely find. Surrounded by mature trees and overlooking a scenic creek, the property feels more like a secluded mountain getaway than Northern Illinois. Watch bald eagles soar overhead, deer and wild turkey wander through the woods, fish or launch a raft from your own backyard, and enjoy breathtaking sunrises and sunsets from nearly every room. Whether you're looking for a full-time residence or a weekend escape from city life, this property offers the perfect balance of comfort and nature. Built by a builder for his own family, this custom hillside ranch was thoughtfully designed to take full advantage of the spectacular setting. Expansive floor-to-ceiling windows, soaring vaulted ceilings, and a dramatic stone fireplace create an inviting main living area that flows effortlessly into the kitchen, screened porch, deck, and sunroom, all with panoramic views of the creek and surrounding landscape. With over 6,000 square feet of finished living space, including a finished walkout lower level that functions beautifully as guest quarters, related living, or an entertainment space, there is room for everyone. Three outbuildings, an attached heated three-car garage, a detached three-car garage, gardens, wooded acreage, and open green space provide endless opportunities for hobbies, recreation, storage, and outdoor living. The current owners have invested extensively in updates and improvements within the past two years, making this home truly move-in ready. Ask your agent for the Additional Features Sheet which has a complete list of upgrades and improvements. Conveniently located 50 Min to the Rockford Airport; 1 Hour to Galena; 1:45 to the Quad Cities and 2:15 to Chicago. Lines drawn on photos are estimated and do not replace a survey.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
Freeport Middle SchoolGrades 7-84.0 mi
1/10
Freeport High SchoolGrades 9-124.0 mi

Construction

Condition

  • Year built: 1992

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Vinyl Siding,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator
  • Laundry features: Main Level,Sink

Basement

  • Has basement: Yes
  • Basement: Finished,Exterior Entry,9 ft + pour,Concrete,Rec/Family Area,Sleeping Area,Storage Space,Walk-Up Access,Full,Walk-Out Access

Bedroom2

  • Features: Flooring (Carpet),Window Treatments (Blinds)
  • Level: Main
  • Area: 195
  • Dimensions: 15X13

Bedroom3

  • Features: Flooring (Carpet),Window Treatments (Blinds)
  • Level: Main
  • Area: 210
  • Dimensions: 15X14

Bedroom4

  • Features: Flooring (Carpet),Window Treatments (Blinds)
  • Level: Basement
  • Area: 280
  • Dimensions: 20X14

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2

Breakfast Room

  • Features: Flooring (Hardwood),Window Treatments (Blinds)
  • Level: Main
  • Area: 210
  • Dimensions: 14X15

Dining Room

  • Features: Flooring (Hardwood),Window Treatments (Blinds)
  • Level: Main
  • Area: 330
  • Dimensions: 15X22

Eating Area

  • Features: Flooring (Carpet),Window Treatments (Blinds)
  • Level: Basement
  • Area: 140
  • Dimensions: 14X10

Exercise Room

  • Features: Flooring (Vinyl)
  • Level: Basement
  • Area: 465
  • Dimensions: 31X15

Family Room

  • Features: Flooring (Hardwood),Window Treatments (Blinds)
  • Level: Basement
  • Area: 420
  • Dimensions: 28X15

Features

  • Vaulted Ceiling(s),Cathedral Ceiling(s),1st Floor Bedroom,In-Law Floorplan,1st Floor Full Bath,Walk-In Closet(s),High Ceilings,Open Floorplan,Granite Counters,Separate Dining Room
  • Door features: Sliding Doors,Panel Door(s),6 Panel Door(s),Sliding Glass Door(s)
  • Window features: Skylight(s),Drapes,Blinds
  • Flooring: Hardwood,Carpet,Wood
  • Number of fireplaces: 2
  • Fireplace features: Wood Burning,Family Room,Basement
  • Fireplace: Yes
  • Finished area below ground: 2,640

Game Room

  • Features: Flooring (Carpet),Window Treatments (Blinds)
  • Level: Basement
  • Area: 378
  • Dimensions: 27X14

Heating & Cooling

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

Interior Area

  • Total structure area: 5,838
  • Total interior livable area: 3,198 sqft

Kitchen

  • Features: Kitchen (Eating Area-Table Space,Island,Granite Counters,Updated Kitchen),Flooring (Hardwood),Window Treatments (Blinds)
  • Level: Main
  • Area: 210
  • Dimensions: 15X14

Kitchen2Nd

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 100
  • Dimensions: 10X10

Laundry

  • Features: Flooring (Ceramic Tile),Window Treatments (Blinds)
  • Level: Main
  • Area: 140
  • Dimensions: 20X7

Living Room

  • Features: Flooring (Carpet),Window Treatments (Blinds)
  • Level: Main
  • Area: 420
  • Dimensions: 28X15

Master Bedroom

  • Features: Flooring (Carpet),Window Treatments (Blinds),Bathroom (Full,Double Sink,Whirlpool & Sep Shwr)
  • Level: Main
  • Area: 288
  • Dimensions: 12X24

Sun Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 150
  • Dimensions: 15X10

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 08132837600300
  • Special condition: None
  • Other equipment: Water-Softener Owned,Ceiling Fan(s),Generator

Features

  • Stories: 1
  • Patio & porch: Deck,Patio,Screened
  • Has view: Yes
  • View description: Water,Side(s) of Property
  • Has water view: Yes
  • Water view: Water,Side(s) of Property
  • On waterfront: Yes
  • Waterfront features: Creek,Waterfront

Lot

  • Lot size: 7.08 Acres
  • Features: Irregular Lot,Wooded,Mature Trees,Views
  • Lot size dimensions: 426x406x620x440x739

Parking

  • Total spaces: 7
  • Parking features: Asphalt,Garage Door Opener,Garage,Yes,Garage Owned,Attached,Detached,Driveway,Garage Faces Front,Parking Lot,Owned
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
Drought
Inland Flooding
Ice Storm
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 $3,453$41,436
Home Insurance *$661$7,932
Property Taxes $1,189$14,268
Electricity $245$2,951
Total$5,548$66,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$190,217/yr
40% on housing$166,440/yr
45% on housing$147,946/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: 15.5%
15.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$214This listing

vs Other Active Listings

Avg $/sqft

ZIP 61032$84
Stephenson County$96

vs Homes Sold Last Month

Median $/sqft

ZIP 61032$77
Stephenson County$76

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
2024-06-07Sold$457,000
2020-10-16Sold$415,000
2020-10-07Pending sale$430,000
2020-09-02Listed for sale$430,000
2020-08-14Pending sale$430,000
2020-07-17Price change$430,000
2020-04-15Price change$445,000
2020-02-10Price change$454,700
2019-07-23Price change$462,700
2019-04-01Listed for sale$467,700
2017-10-08Listing removed$449,700
2017-07-06Price change$449,700
2017-04-26Price change$456,000
2017-01-09Listed for sale$457,000
2016-10-02Listing removed$459,000
2015-09-24Listed for sale$459,000
2009-03-13Sold$394,500

For Sale by Agent

AgentAmy Rogus, ALC
BrokerageCentury 21 Integra

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