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3114 S Rush Creek Rd, Stockton, IL, 61085

6beds
7baths
3,766sqft
$375,000
$100price/sqft
$2,888/moest. monthly cost
$115,520/yrincome needed

About This Home

Sitting on top of a ridge with sweeping views in every direction, this mixed-use property offers a rare combination of usable ground, timber, creek, and a home with deep roots in the area. Located just five miles off US 20 outside of Stockton in the heart of Jo Daviess County, this is the kind of place people come to for quiet mornings, long views, and room to stretch out. The setting alone makes it special, with rolling country all around and the feel of being tucked away without being too far from town. The land is versatile and laid out in a way that makes sense for both income and recreation. There are just over four acres of tillable ground that are currently rented out, providing some annual return. Beyond the open ground, thick timber lines the property, and a creek runs along the northern side, creating natural travel corridors for deer and other wildlife. The home sits prominently on the southern side of the property with large pillars out front and a commanding view of the countryside. Stepping inside, you will notice that despite its age, the layout has a good natural flow. The oversized living room opens into the dining area and kitchen, creating a comfortable space for everyday living. The family room is tucked away and offers a more private place to unwind with a wood-burning fireplace as the focal point. The main level also includes a full bathroom, making it functional for guests. Upstairs, you will find a large master bedroom with its own full bathroom. There are four additional bedrooms that are all good-sized, along with a total of five bathrooms in the home and an office space that works well for those who need a quiet place to work or study. There is no shortage of room here for a large family, guests, or simply spreading out and making the place your own. Outside, there is plenty of space for parking and storage with a two-car attached garage, along with two additional accessory garages that are well-suited for UTVs, mowers, motorcycles, and other equipment. The large breezeway connecting these spaces is perfect for kicking off muddy boots and storing gear after a long day outside. A detached outbuilding adds even more flexibility and would make a great office, in-law suite, or shop. It already includes a bathroom and sauna, giving it real potential for a variety of uses. This property is well-suited for someone looking for a country home with land that can be enjoyed year-round. Whether you are looking for a retreat, to hunt, or simply enjoy the peace and views that Jo Daviess County is known for, this ridge-top farm offers the space and setting to make it happen.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
7/10
Stockton Middle SchoolGrades 6-84.4 mi
2/10
Stockton Sr High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 1854

Materials

  • Roof: Shingle
  • Construction materials: Siding,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Stove/Cooktop,Washer,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom2

  • Level: Upper
  • Area: 165

Bedroom3

  • Level: Upper
  • Area: 110

Bedroom4

  • Level: Upper
  • Area: 165

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 6
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2

Dining Room

  • Level: Main
  • Area: 182

Family Room

  • Level: Main
  • Area: 322

Features

  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,766

Heating & Cooling

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

Interior Area

  • Total structure area: 3,766
  • Total interior livable area: 3,766 sqft

Kitchen

  • Level: Main
  • Area: 176

Living Room

  • Level: Main
  • Area: 392

Master Bedroom

  • Level: Upper
  • Area: 209

Property

Details

  • Parcel number: 1700022500

Features

  • Levels: Two
  • Stories: 2
  • Has view: Yes
  • View description: Country

Lot

  • Lot size: 11.84 Acres
  • Features: County Taxes,Agricultural,Wooded,Rural

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Drought
Heat Wave
Ice Storm
Landslide
Lightning

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 $1,896$22,752
Home Insurance *$238$2,856
Property Taxes $465$5,580
Electricity $289$3,475
Total$2,888$34,656
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,017/yr
40% on housing$86,640/yr
45% on housing$77,013/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

$100This listing

vs Other Active Listings

Avg $/sqft

ZIP 61085$105
Jo Daviess County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 61085
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)

Price History

DateEventPrice
2026-07-07Price change$375,000
2026-04-27Price change$399,000
2026-02-19Listed for sale$420,000
2015-10-01Sold$89,000
2015-08-24Pending sale$99,000
2015-08-15Listed for sale$99,000
2015-04-18Listing removed$149,000
2015-04-02Listed for sale$149,000
2014-02-22Listing removed$249,900
2014-02-20Listed for sale$249,900
2013-09-01Listing removed$199,000
2013-07-31Listed for sale$199,000
2013-04-05Listing removed$299,000
2012-12-07Price change$299,000
2012-11-28Price change$350,000
2012-10-05Listed for sale$299,000
2012-07-06Listing removed$545,000
2012-04-12Price change$545,000
2012-01-07Listed for sale$595,000

For Sale by Agent

AgentTodd Henry
BrokerageWhitetail Properties Real Estate Llc

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