20 Academy St, German Valley, IL, 61039
About This Home
A Small Town with a Big Heart Welcome to Germantown, a community where history isn't just in the books-it's in the streets, the traditions, and the friendly "hello" from your neighbors. Known for its rich heritage and deep-rooted sense of togetherness, Germantown offers the peaceful, secure lifestyle of a small town while keeping you connected to everything you need. The Canvas for Your Dream Home Located on a quiet street, this 3-bedroom, 1-bathroom home is a true "diamond in the rough" waiting for the right visionary to polish it. Whether you are an ambitious DIYer, a first-time homebuyer looking to build sweat equity, or an investor seeking a high-potential rental, this property is your blank canvas. Main Level: A functional layout with three bedrooms that offer great natural light. The Lower Level: The full basement is a game-changer. Currently a clean slate, it's waiting to be transformed into a cozy family room, a home gym, a workshop, or the ultimate "man cave" or "she-shed." The Great Outdoors: Situated on a generous .27-acre lot, the backyard is a rare find. From an expansive garden and a playground to a custom deck for summer BBQs, there is room for a myriad of possibilities to create your own private oasis. Why This Property? Opportunities to own a piece of Germantown at this price point don't come often. With a solid foundation and plenty of character, this home allows you to stop renting and start investing in your future. Bring your tools, your paint swatches, and your imagination-and turn this house into the talk of the town.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1977
Materials
- Roof: Shingle
- Construction materials: Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: None,No Water Heater
Basement
- Has basement: Yes
- Basement: Full
Bedroom2
- Level: Main
- Area: 100
Bedroom3
- Level: Main
- Area: 120
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 3
Features
- Finished area below ground: 0
- Finished area above ground: 1,064
Heating & Cooling
- Heating features: None
- Cooling features: None
Interior Area
- Total structure area: 1,064
- Total interior livable area: 1,064 sqft
Kitchen
- Level: Main
- Area: 120
Living Room
- Level: Main
- Area: 192
Master Bedroom
- Level: Main
- Area: 144
Property
Details
- Parcel number: 052032127910000
Features
- Patio & porch: Deck
Lot
- Lot size: 0.27 Acres
- Features: City/Town
Parking
- Total spaces: 1
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Hail
- Inland Flooding
- Strong Wind
- Tornado
- Drought
- Ice Storm
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $581 | $6,972 |
| Home Insurance * | $43 | $516 |
| Property Taxes | $200 | $2,400 |
| Electricity | $130 | $1,569 |
| Total | $954 | $11,448 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-06 | Price change | $115,000 |
| 2026-01-12 | Listed for sale | $125,000 |
| 2012-10-22 | Sold | $70,000 |
| 2012-05-30 | Sold | $40,000 |
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