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635 Hickory Ct, Davis, IL, 61019

4beds
3baths
2,944sqft
$350,000
$119price/sqft
$2,786/moest. monthly cost
$111,440/yrincome needed

About This Home

AO Home Sale Contingent 7/29/2026. Tucked away on a quiet cul-de-sac in Lake Somerset, this beautifully updated 4-bedroom, 2.5-bath home offers the perfect blend of warmth, character, and modern convenience. From the moment you step inside, you'll notice the stunning woodwork, crown molding, soaring vaulted ceilings, abundant natural light, and thoughtful details throughout. The inviting living room features an electric fireplace, while the library provides a cozy retreat with custom woodwork and its own fireplace. The spacious kitchen flows into the dining and living areas, making it ideal for everyday living and entertaining. The flexible floor plan includes a main-level bedroom, full bath, and private office. Upstairs, the primary suite is a true retreat, complete with a charming sitting nook perfect for morning coffee or relaxing with a good book. The finished walkout lower level offers a fourth bedroom, half bath, electric fireplace, and additional living space. Outside, enjoy peaceful views from the expansive deck overlooking the wooded backyard. Additional highlights include a heated 3-car garage with brand-new garage doors, a custom drop zone, long driveway with ample parking, whole-house water filtration system, and a new water softener. This is a home filled with character, comfort, and thoughtful updates that truly needs to be experienced in person.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

5/10
Dakota Elementary SchoolGrades PK-67.8 mi
6/10
Dakota Jr Sr High SchoolGrades 7-127.8 mi

Construction

Condition

  • Year built: 1979

Materials

  • Roof: Shingle
  • Construction materials: Cedar

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Stove/Cooktop,Washer,Water Softener,Gas Water Heater
  • Laundry features: In Basement

Basement

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

Bedroom2

  • Level: Upper
  • Area: 110

Bedroom3

  • Level: Main
  • Area: 121

Bedroom4

  • Level: Lower
  • Area: 230

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 120

Features

  • L.L. Finished Space,Ceiling-Vaults/Cathedral,Ceiling-Wood Decorative
  • Number of fireplaces: 3
  • Fireplace features: Electric
  • Fireplace: Yes
  • Attic: Storage
  • Finished area below ground: 640
  • Finished area above ground: 2,304

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,944
  • Total interior livable area: 2,944 sqft

Kitchen

  • Level: Main
  • Area: 150

Living Room

  • Level: Main
  • Area: 323

Master Bedroom

  • Level: Upper
  • Area: 255

Property

Details

  • Parcel number: 1001477012

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck

Lot

  • Lot size: 0.44 Acres
  • Features: County Taxes,Full Exposure,Wooded

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Hail
    HailVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
Cold Wave
Inland Flooding
Ice Storm
Lightning
Drought
Heat Wave
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 $1,769$21,228
Home Insurance *$182$2,184
Property Taxes $609$7,308
Electricity $226$2,717
Total$2,786$33,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,520/yr
40% on housing$83,580/yr
45% on housing$74,293/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

$119This listing

vs Other Active Listings

Avg $/sqft

ZIP 61019$152
Stephenson County$97

vs Homes Sold Last Month

Median $/sqft

ZIP 61019$114
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
2026-08-03Listed for sale$350,000
2026-08-03Pending sale$350,000
2026-07-10Listed for sale$350,000
2023-06-16Sold$225,000
2023-05-07Pending sale$229,000
2023-04-27Listed for sale$229,000
2006-09-29Sold$143,500

For Sale by Agent

AgentJennifer Moran
BrokerageExit Realty Hgm

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