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309 E Pershing St, Stillman Valley, IL, 61084

3beds
3baths
1,950sqft
$346,900
$178price/sqft
$2,661/moest. monthly cost
$106,440/yrincome needed

About This Home

Stunning, 3 bedroom 3 bath villa in Stillman Valley! Quality craftmanship is evident throughout with soaring 10 ft. ceilings and large windows in this light drenched and welcoming villa! The foyer leads to large great room that is open to a kitchen with loads of cabinets, counter space and a dining area w/access to backyard and deck. First floor laundry is conveniently located off kitchen. Large master ensuite w/tray ceiling, massive walk-in closet, dual vanity, walk in shower and separate toilet closet. Second bedroom and full hall bath on main floor as well. The open staircase leads to lower level with a family room perfect for entertaining or watching movies and games! A full bath and bedroom with egress complete the lower level! Storage is not an issue in the villa with storage in basement, two car garage and closets throughout! Make a move to Stillman and enjoy!

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

--
8/10
Meridian Jr High SchoolGrades 6-80.4 mi
9/10

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Roof: Shingle
  • Construction materials: Brick/Stone,Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Stove/Cooktop,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bedroom2

  • Level: Main
  • Area: 134.431

Bedroom3

  • Level: Lower
  • Area: 147.6

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 106.4

Features

  • L.L. Finished Space,Ceiling-Vaults/Cathedral,Solid Surface Counters,Walk-In Closet(s)
  • Finished area below ground: 600
  • Finished area above ground: 1,350

Heating & Cooling

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

Interior Area

  • Total structure area: 1,950
  • Total interior livable area: 1,950 sqft

Kitchen

  • Level: Main
  • Area: 127.65

Living Room

  • Level: Main
  • Area: 253.4

Master Bedroom

  • Level: Main
  • Area: 176.32

Property

Details

  • Parcel number: 1001381014

Features

  • Patio & porch: Deck

Lot

  • Lot size: 6,534 sqft
  • Features: City/Town

Parking

  • Total spaces: 2
  • Parking features: Asphalt,Attached,Garage Door Opener
  • 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
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Hail
Inland Flooding
Strong Wind

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 $1,754$21,048
Home Insurance *$235$2,820
Property Taxes $523$6,276
Electricity $149$1,799
Total$2,661$31,932
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,234/yr
40% on housing$79,830/yr
45% on housing$70,960/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: 15.1%
15.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$178This listing

vs Other Active Listings

Avg $/sqft

ZIP 61084$144
Ogle County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 61084$189
Ogle County$131

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
2026-03-13Listed for sale$349,900

New Construction

AgentDavid Bowers
BrokerageGambino Realtors

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