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14949 Saunders Rd, Pecatonica, IL, 61063

5beds
5baths
5,235sqft
$825,000
$158price/sqft
$6,870/moest. monthly cost
$274,800/yrincome needed

About This Home

Welcome home to this sprawling picture perfect estate in Pecatonica, IL. Situated on approximately 15 acres, this light filled, custom built home features 5 bedrooms, 4.5 bathrooms, and a 2.5 car attached garage. The main floor offers the master bedroom with ensuite bath, which was remodeled in 2025, with jetted tub & separate shower, 2nd bedroom, formal dining room, living room with full height windows, gas fireplace, & kitchen, which was remodeled in 2023, with upgraded cabinets, granite countertops, S/S Bosch appliances – double oven, 5 burner gas cooktop, refrigerator, dishwasher, walk-in pantry, reverse osmosis and center island with workstation. Completing the 1st floor is a full size laundry room, 2nd full bathroom, ½ bathroom, new solid hardwood floors in the dining room, living room, master bedroom, and 2nd bedroom, a custom Borano solid mahogany door, and a massive, custom, 2000 square foot wrap around deck with picturesque views of the gorgeous landscaping that surround the property. The 2nd floor offers 2 very generously sized bedrooms, another full bathroom, and a family room. The full walkout lower level has plenty of finished space, including a 1 bedroom in-law suite with custom walk-in closet, family room w/gas fireplace, dining room, full bathroom with heated floor, with towel warmer and soaker tub, full kitchen with upgraded cabinets, granite countertops, S/S appliances, beverage cooler, walk in pantry, and hand curated cooper sink. The lower level also offers 2 bonus rooms, utility room, and a 1000 square foot stamped concrete patio. The grounds of the property offer approximately 15 acres of manicured grass, sprawling views, mature trees, garden beds, perennial flowers & shrubs, a front yard formal garden, 7’ concrete fountain, & cedar swing. The backyard with flagstone walkway and stone stairs leads to your own orchard, producing grapes, apples, peaches, pears, plums, & blueberries. Upgrades include; Master Bathroom & Hardwood Floors – 2025, Water Softener – 2024, Kitchen – 2023, Furnace – 2021, Roof & Siding - 2017

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

6/10
4/10
Pecatonica High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 2000

Materials

  • Roof: Shingle
  • Construction materials: Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Stove/Cooktop,Water Softener,LP Gas Tank Rented,Gas Water Heater
  • Laundry features: Main Level

Basement

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

Bedroom2

  • Level: Main
  • Area: 155.89

Bedroom3

  • Level: Upper
  • Area: 334.25

Bedroom4

  • Level: Upper
  • Area: 334.25

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 89.06

Family Room

  • Level: Upper
  • Area: 145.41

Features

  • Central Vacuum,Great Room,L.L. Finished Space,Dry Bar,Book Cases Built In,Ceiling Fans/Remotes,Tray Ceiling(s),Ceiling-Vaults/Cathedral,Ceiling-Wood Decorative,Granite Counters,Second Kitchen,Walk-In Closet(s)
  • Window features: Window Treatments
  • Number of fireplaces: 2
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 2,155
  • Finished area above ground: 3,080

Heating & Cooling

  • Heating features: Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,235
  • Total interior livable area: 5,235 sqft

Kitchen

  • Level: Main
  • Area: 235.64

Living Room

  • Level: Main
  • Area: 376.36

Master Bedroom

  • Level: Main
  • Area: 283.36

Property

Details

  • Parcel number: 0922400013

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Patio-Stamp Concrete
  • Has view: Yes
  • View description: Country,Panorama

Lot

  • Lot size: 14.64 Acres
  • Features: Full Exposure,Rural

Parking

  • Total spaces: 2.5
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

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
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Illinois Counties

Flood
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 $4,171$50,052
Home Insurance *$730$8,760
Property Taxes $1,567$18,804
Electricity $402$4,831
Total$6,870$82,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$235,542/yr
40% on housing$206,100/yr
45% on housing$183,200/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: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 61063$172
Winnebago County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 61063$130
Winnebago County$121

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
2025-09-09Listed for sale$899,000
2010-08-06Sold$285,000
2010-06-23Sold$7,000
2003-02-03Sold$276,500

For Sale by Agent

AgentBobby Walsh
BrokerageDickerson & Nieman

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