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11516 E Loran Rd, Mount Carroll, IL, 61053

5beds
4baths
4,427sqft
$774,900
$175price/sqft
$5,740/moest. monthly cost
$229,600/yrincome needed

About This Home

Majestic 5 bedroom, 3.5 bath log home set on an elevated perch amidst 5 scenic acres and offering breathtaking panoramic countryside views that stretch for miles in nearly every direction. Tucked into a beautiful setting with a blend of open ground and mature trees, this impressive retreat captures the essence of country living with rustic lodge-style character, expansive living spaces, and a long list of recent improvements. Step inside to an inviting main level highlighted by soaring cathedral ceilings with exposed beams, rich wood-clad walls and ceilings, beautiful hardwood flooring, and a dramatic fireplace that anchors the spacious great room while framing the incredible views beyond. The adjoining kitchen offers abundant cabinetry, center island, eat-at counter seating, and plenty of workspace for entertaining and everyday living. Also on the main level are a convenient powder room, dedicated office/den with built-in shelving and credenza, and a generously sized primary suite with private bath. Upstairs, a huge loft provides a stunning vantage point over the great room below and leads to three comfortable guest bedrooms, including one with private balcony-style deck access and another offering exceptional space with room for a sitting area, plus an additional full bath. The walk-out lower level expands the living options with a large family room, secondary kitchen, fifth bedroom, full bath, laundry/utility area, unfinished storage, mud room that just needs flooring for finish and has deep basin sink and additional laundry hookup, and direct access to the outdoors, making it ideal for guests, multi-generational living, or entertaining. Several outdoor spaces invite you to relax and soak in the scenery, including the expansive covered deck with unforgettable vistas over the neighbor's pond and into the horizon, side deck with privacy and treed backdrop, and lower-level patio access again with more breathtaking views. A sweeping gravel drive accented by attractive retaining walls leads to the attached two-car garage with ample room for vehicles, recreational equipment, and storage. Recent improvements include a new standing seam steel roof, concrete garage approach, new retaining wall for the parking area, reworked gutters, re-laid stone walkway, repairs and replacement of log siding where needed, replacement of most exterior doors including the patio slider, approximately 30 Andersen replacement windows, custom powder-coated railing on the upper deck balcony, refreshed landscaping and updated mulch. A rare opportunity to own a striking log home retreat where dramatic views, rustic elegance, and peaceful country surroundings come together to create an extraordinary place to call home amidst the rolling hills of Jo Daviess County!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

8/10
7/10
Stockton Middle SchoolGrades 6-89.5 mi
2/10
Stockton Sr High SchoolGrades 9-129.5 mi

Construction

Condition

  • Year built: 1993

Materials

  • Roof: Metal
  • Construction materials: Log

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Stove/Cooktop,Washer,Water Softener,LP Gas Tank,LP Gas Water Heater
  • Laundry features: In Basement

Basement

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

Bedroom2

  • Level: Upper
  • Area: 303.1875

Bedroom3

  • Level: Upper
  • Area: 118.2222

Bedroom4

  • Level: Upper
  • Area: 170

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Lower
  • Area: 244.6806

Features

  • Great Room,L.L. Finished Space,Book Cases Built In,Ceiling-Vaults/Cathedral,Ceiling-Wood Decorative,Walk-In Closet(s)
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,390
  • Finished area above ground: 3,037

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,427
  • Total interior livable area: 4,427 sqft

Kitchen

  • Level: Main
  • Area: 195.4375

Living Room

  • Level: Main
  • Area: 504.9167

Master Bedroom

  • Level: Main
  • Area: 234

Property

Details

  • Parcel number: 0

Features

  • Patio & porch: Deck,Patio,Deck-Covered,Deck-Leveled
  • Has view: Yes
  • View description: Country,Panorama
  • Horses can be raised: Yes

Lot

  • Lot size: 5.01 Acres
  • Features: Horses Allowed,Wooded,Rural

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Gravel
  • 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
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Drought
Heat Wave
Ice Storm
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 $3,918$47,016
Home Insurance *$520$6,240
Property Taxes $962$11,544
Electricity $340$4,086
Total$5,740$68,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$196,800/yr
40% on housing$172,200/yr
45% on housing$153,066/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: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$175This listing

vs Other Active Listings

Avg $/sqft

ZIP 61053$56
Jo Daviess County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 61053
Jo Daviess County$144

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
2026-06-15Listed for sale$774,900

For Sale by Agent

AgentDAMON HEIM
BrokerageColdwell Banker Network Realty

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