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3107 Farmdale Ln, Freeport, IL, 61032

4beds
4baths
3,359sqft
$389,900
$116price/sqft
$3,285/moest. monthly cost
$131,400/yrincome needed

About This Home

Discover this spacious and beautifully updated 4-bedroom, 3.5-bath, 2-story home located in one of the area’s most desirable subdivisions. Offering exceptional curb appeal and a 3-car attached garage, this property is designed for comfort, style, and modern living. The fenced in yard is ideal for pets and/or children. Step inside to find a remodeled kitchen featuring granite countertops, quality cabinetry, and a layout perfect for cooking and entertaining. The main floor includes a warm and inviting family room accented by a stunning stone wall and cozy fireplace, along with abundant natural light and high ceilings that enhance the home’s open feel. The finished basement adds remarkable versatility, complete with a second kitchen, an additional family room, and a bonus room—ideal for guests, hobbies, or extended living space. The home also features newer HVAC for peace of mind and energy efficiency. Outdoor living is equally impressive with a spacious deck, gazebo, and hot tub—perfect for relaxing or hosting gatherings. All appliances stay, and all furniture is negotiable, making this home truly move-in ready.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

3/10
Freeport Middle SchoolGrades 7-82.4 mi
1/10
Freeport High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 1998

Materials

  • Roof: Shingle
  • Construction materials: Brick/Stone,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Stove/Cooktop,Washer,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bedroom2

  • Level: Upper
  • Area: 176

Bedroom3

  • Level: Upper
  • Area: 195

Bedroom4

  • Level: Upper
  • Area: 143

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 165

Family Room

  • Level: Lower
  • Area: 465

Features

  • L.L. Finished Space,Wet Bar,Granite Counters
  • Window features: Window Treatments
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 799
  • Finished area above ground: 2,560

Heating & Cooling

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

Interior Area

  • Total structure area: 3,359
  • Total interior livable area: 3,359 sqft

Kitchen

  • Level: Main
  • Area: 110

Living Room

  • Level: Main
  • Area: 270

Master Bedroom

  • Level: Upper
  • Area: 256

Property

Details

  • Parcel number: 181326352036

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Has spa: Yes
  • Spa features: Private
  • Fencing: Fenced

Lot

  • Lot size: 0.35 Acres
  • Features: City/Town

Parking

  • Total spaces: 3
  • Parking features: Attached
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
Heat Wave
Inland Flooding
Ice Storm
Lightning
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 $1,971$23,652
Home Insurance *$377$4,524
Property Taxes $679$8,148
Electricity $258$3,100
Total$3,285$39,420
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,628/yr
40% on housing$98,550/yr
45% on housing$87,600/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

$116This listing

vs Other Active Listings

Avg $/sqft

ZIP 61032$86
Stephenson County$97

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
2025-11-16Listed for sale$395,900
2025-10-14Listing removed$425,000
2025-03-19Listed for sale$425,000
2006-12-22Sold$200,000

For Sale by Agent

AgentBRIAN BORCHARDT
BrokerageA-1 Agency

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