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455 S State Ave, Freeport, IL, 61032

3beds
1baths
1,440sqft
$37,500
$26price/sqft
$420/moest. monthly cost
$16,800/yrincome needed

About This Home

Attention landlords! This 2-story home features 3 bedrooms, 1 bathroom and 1440 sqft. Hardwood flooring in the living room and newer vinyl plank flooring in the dining room. Tenant occupied until end of the year. Newer roof and main floor laundry. Sold as-is.

Getting Around

78
WalkingVery Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

8/10
Center Elementary SchoolGrades PK-40.5 mi
3/10
Freeport Middle SchoolGrades 7-80.9 mi
1/10
Freeport High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1897

Materials

  • Roof: Shingle
  • Construction materials: Siding

Type & Style

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

Interior

Appliances

  • Appliances included: None,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom2

  • Level: Upper
  • Area: 124.2

Bedroom3

  • Level: Upper
  • Area: 92.4

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Main
  • Area: 189.98

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,440

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,440
  • Total interior livable area: 1,440 sqft

Kitchen

  • Level: Main
  • Area: 163.75

Living Room

  • Level: Main
  • Area: 184.47

Master Bedroom

  • Level: Upper
  • Area: 182.4

Property

Details

  • Parcel number: 181431288005
  • Special condition: Estate

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 2,613 sqft
  • Features: City/Town

Parking

  • Parking features: None

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
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Heat Wave
Ice Storm
Lightning
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 $189$2,268
Home Insurance *$36$432
Property Taxes $65$780
Electricity $130$1,569
Total$420$5,040
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$14,400/yr
40% on housing$12,600/yr
45% on housing$11,200/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: 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

$26This listing

vs Other Active Listings

Avg $/sqft

ZIP 61032$87
Stephenson County$99

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)

No zestimate history available

Price History

DateEventPrice
2025-09-30Price change$45,000
2025-08-05Listed for sale$50,000

For Sale by Agent

AgentOlga Kampmeier
BrokerageKeller Williams Realty Signature

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