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840 Breckenboro Rd, Davis, IL, 61019

4beds
3baths
2,600sqft
$600,000
$231price/sqft
$4,588/moest. monthly cost
$183,520/yrincome needed

About This Home

This stunning Lake Front ranch offers a breathtaking water view from nearly every room. Wake up with panoramic views and wind down with spectacular sunsets and pristine stargazing. - Living Space: 4 bedrooms and 3 baths, offering plenty of room for guests. - Main Floor: A kitchen with a dining area overlooking the lake, a living room with a wood-burning fireplace, and 3 bedrooms with 2 baths. - Lower Level: A newly updated, finished walk-out level featuring a family room, an additional bedroom, a full bath, LVP flooring, newer Pella windows, and an extra refrigerator. - Outdoor Features: A large maintenance-free Trek deck facing the lake and a steel sea wall along the shoreline. This home is move-in ready and perfectly set up for boating, fishing, and tubing. The sale even includes a pontoon boat, a speedboat, and a boat lift. The property features two private docks and is conveniently located just 60 miles from Madison and 90 miles from O'Hare.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

5/10
Dakota Elementary SchoolGrades PK-67.9 mi
6/10
Dakota Jr Sr High SchoolGrades 7-127.9 mi

Construction

Condition

  • Year built: 1974

Materials

  • Roof: Shingle
  • Construction materials: Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Dryer,Refrigerator,Washer,Water Softener,Gas Water Heater

Basement

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

Bedroom2

  • Level: Main
  • Area: 111.36

Bedroom3

  • Level: Main
  • Area: 127.53

Bedroom4

  • Level: Walk Out
  • Area: 128.76

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 127.53

Family Room

  • Level: Basement
  • Area: 276.9

Features

  • Great Room,L.L. Finished Space,Wet Bar
  • Window features: Window Treatments
  • Number of fireplaces: 2
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,300
  • Finished area above ground: 1,300

Heating & Cooling

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

Interior Area

  • Total structure area: 2,600
  • Total interior livable area: 2,600 sqft

Kitchen

  • Level: Main
  • Area: 111.36

Living Room

  • Level: Main
  • Area: 310.59

Master Bedroom

  • Level: Main
  • Area: 118.17

Property

Details

  • Parcel number: 151001253002

Features

  • Patio & porch: Deck
  • Exterior features: Dock,Boat Lift
  • On waterfront: Yes

Lot

  • Lot size: 0.35 Acres

Parking

  • Total spaces: 2
  • Parking features: Asphalt,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

  • 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 $3,033$36,396
Home Insurance *$312$3,744
Property Taxes $1,044$12,528
Electricity $199$2,399
Total$4,588$55,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$157,302/yr
40% on housing$137,640/yr
45% on housing$122,346/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

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 61019$141
Stephenson County$96

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
2026-03-17Listed for sale$600,000

For Sale by Agent

AgentPatricia Tynan
BrokerageBest Realty

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