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1006 N White Pine Dr, Dixon, IL, 61021

3beds
2baths
3,600sqft
$369,000
$103price/sqft
$2,988/moest. monthly cost
$119,520/yrincome needed

About This Home

Spacious ranch home features 1800 Sq.ft. of living space plus partially finished basement with family room. You will enjoy the beautiful lake views and open floor plan. Lovely living room (great room) Large kitchen with bar and newer appliances. Owners suite plus 2 additional large bedrooms. Attached 3 car garage/shop plus larger covered partially deck. Owners suite also has door to deck for early morning coffee or evening drink. This is a lake home with green reserved area. Lost Lake boasts private roads and two beaches, parks and ball diamond. Mother nature smiled at this beautiful area with Rock bluffs, mature trees and rolling hills. 88 acre lake, stocked, easy access from I-88 and I-39, centrally located between Dixon, Rochelle and Sterling. 1 Hr plus a little to suburbs, 2 hours to downtown Chicago.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

--
6/10
Reagan Middle SchoolGrades 6-88.3 mi
2/10
Dixon High SchoolGrades 9-128.2 mi

Construction

Condition

  • Year built: 1991

Materials

  • Roof: Shingle
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Dryer,Microwave,Refrigerator,Washer,LP Gas Tank,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Partial,Sump Pump

Bedroom2

  • Level: Main
  • Area: 150

Bedroom3

  • Level: Main
  • Area: 120

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 154

Family Room

  • Level: Lower

Features

  • Finished area below ground: 1,800
  • Finished area above ground: 1,800

Heating & Cooling

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

Interior Area

  • Total structure area: 3,600
  • Total interior livable area: 3,600 sqft

Kitchen

  • Level: Main
  • Area: 168

Living Room

  • Level: Main
  • Area: 300

Master Bedroom

  • Level: Main
  • Area: 270

Property

Details

  • Parcel number: 2209704007

Features

  • Patio & porch: Deck
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes

Lot

  • Lot size: 0.38 Acres
  • Features: Subdivided,Rural

Parking

  • Total spaces: 3
  • Parking features: Attached
  • 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
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Drought

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 $1,865$22,380
Home Insurance *$291$3,492
Property Taxes $556$6,672
Electricity $276$3,322
Total$2,988$35,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,445/yr
40% on housing$89,640/yr
45% on housing$79,680/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

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 61021$121
Ogle County$127

vs Homes Sold Last Month

Median $/sqft

ZIP 61021$116
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
2026-06-29Listed for sale$369,000

For Sale by Agent

AgentVicky Turner
BrokerageCrawford Realty, Llc

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