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109 Liberty Ct, Dixon, IL, 61021

3beds
2baths
1,379sqft
$325,000
$236price/sqft
$2,508/moest. monthly cost
$100,320/yrincome needed

About This Home

Welcome to this new construction townhome located on the desirable north edge of Dixon, offering a peaceful setting while still being just minutes from local stores, restaurants, and everyday conveniences. Estimated completion is June or July of 2026. One of the most unique features of this home is its superior construction and long term durability. It is built with steel framework backed by a 50 year structural warranty, an exterior sheathing system with a 30 year weather tightness warranty, and a leak free standing seam metal roof designed for exceptional longevity, features rarely found in residential construction. Inside, the home offers 3 bedrooms and 2 full bathrooms with a bright open concept layout. The main living area features vaulted ceilings, while 9 foot ceilings throughout create an airy feel. Luxury vinyl plank flooring runs throughout the home, combining style with easy maintenance. The primary suite includes a large walk in closet and private bath, while two additional bedrooms provide flexible space for guests, family, or a home office. Enjoy relaxing on the beautiful front porch and the convenience of a large attached two car garage. There is no HOA, and buyers who go under contract by May may have the opportunity to select certain interior finishes. A rare opportunity to own a durable, low maintenance new construction home in a great Dixon location.

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

5/10
6/10
Reagan Middle SchoolGrades 6-82.6 mi
2/10
Dixon High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Brick/Stone,Metal

Type & Style

  • Home type: Townhouse
  • Property subType: Condominium,Townhouse

Interior

Appliances

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

Bedroom2

  • Level: Main
  • Area: 120

Bedroom3

  • Level: Main
  • Area: 120

Bedrooms & Bathrooms

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

Features

  • Walk-In Closet(s)
  • Finished area below ground: 0
  • Finished area above ground: 1,379

Heating & Cooling

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

Interior Area

  • Total structure area: 1,379
  • Total interior livable area: 1,379 sqft

Kitchen

  • Level: Main
  • Area: 128

Living Room

  • Level: Main
  • Area: 208

Master Bedroom

  • Level: Main
  • Area: 180

Property

Details

  • Parcel number: 000000000

Lot

  • Features: City/Town

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Shared
  • 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 WaveVery High
  • Strong Wind
    Strong WindVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Inland Flooding
Tornado
Hail
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 $1,643$19,716
Home Insurance *$256$3,072
Property Taxes $479$5,748
Electricity $130$1,569
Total$2,508$30,096
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,988/yr
40% on housing$75,240/yr
45% on housing$66,880/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: 12.4%
12.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$236This listing

vs Other Active Listings

Avg $/sqft

ZIP 61021$118
Lee County$129

vs Homes Sold Last Month

Median $/sqft

ZIP 61021$116
Lee County$135

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
2026-04-08Listed for sale$339,500

For Sale by Agent

AgentJessica Lowry
BrokerageRe/Max Of Rock Valley

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