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1207 W American St, Freeport, IL, 61032

4beds
2baths
1,554sqft
$148,000
$95price/sqft
$1,278/moest. monthly cost
$51,120/yrincome needed

About This Home

Move-in ready 4-bedroom, 2-bath home with a spacious layout and numerous updates throughout. Featuring large bedrooms, including a spacious primary suite with a private full bath, this home offers plenty of room to spread out. Recent updates include a newer roof, new central air, new water heater, and a detached garage that’s only 7 years old. The carpet has some cosmetic staining but is otherwise in good condition. With the major updates already completed, this home is ready for its next owner!

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
63
BikeBikeable

Schools

3/10
Empire Elementary SchoolGrades PK-40.3 mi
3/10
Freeport Middle SchoolGrades 7-80.7 mi
1/10
Freeport High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1917

Materials

  • Roof: Shingle
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Stove/Cooktop,Washer,Natural Gas Water Heater
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom2

  • Level: Upper
  • Area: 132

Bedroom3

  • Level: Upper
  • Area: 117

Bedroom4

  • Level: Main
  • Area: 132

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 120

Features

  • Window features: Window Treatments
  • Finished area below ground: 777
  • Finished area above ground: 777

Heating & Cooling

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

Interior Area

  • Total structure area: 1,554
  • Total interior livable area: 1,554 sqft

Kitchen

  • Level: Main
  • Area: 110

Living Room

  • Level: Main
  • Area: 132

Master Bedroom

  • Level: Upper
  • Area: 209

Property

Details

  • Parcel number: 181336378014

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck

Lot

  • Lot size: 5,662 sqft
  • Features: City/Town

Parking

  • Total spaces: 3
  • Parking features: Detached,Garage Door Opener
  • 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
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Hail
Heat Wave
Inland Flooding
Lightning
Tornado
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 $748$8,976
Home Insurance *$143$1,716
Property Taxes $257$3,084
Electricity $130$1,569
Total$1,278$15,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,817/yr
40% on housing$38,340/yr
45% on housing$34,080/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

$95This listing

vs Other Active Listings

Avg $/sqft

ZIP 61032$86
Stephenson County$98

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
2026-07-31Listed for sale$148,000
2019-10-18Sold$69,900
2019-09-06Pending sale$69,900
2019-08-16Price change$69,900
2019-07-26Price change$74,900
2019-06-29Listed for sale$79,900

For Sale by Agent

AgentElizabeth Gaffney
BrokerageEpique Realty

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