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304 Rumsfeld Dr, Troy, IL, 62294

5beds
3baths
3,197sqft
$552,500
$173price/sqft
$4,154/moest. monthly cost
$166,160/yrincome needed

About This Home

Penn Builders New Construction, located minutes from "I" Hwy access on @ 1/4 acre lot. Preliminary Specs/Subject to Changes. 5 Bed/3 Full Bath; Split BR/Open Floor Plan; 9' foundation/8' main level walls with 9' raised tray ceiling in LR; @ 12x12 covered Patio with fan/light; Covered Front Porch with Craftsman style columns; Brick & Stone front. ZIP system sheeting on exterior framed walls; House insulation R-13 walls/R45 blown fiberglass in ceiling; Certainteed Landmark architectural shingles; Quaker Manchester low-e, tilt-wash, single-hung windows; Farmhouse style interior trim; upgraded RigidCore LVP flooring throughout main area, plus Laundry & Hall Bath. Kitchen includes: Quartz c-tops/tiled backsplash; stainless steel appliances~ 5-burner gas range/oven, dishwasher & microwave; @8'x3' island with counter seating; Walk-In Pantry. Homecrest Arbor cabinets in Kitchen & Baths with soft close dovetail drawers/soft close cabinet doors; Upgraded Delta faucets with lever handles throughout the home. Cultured marble countertops in Baths. Double sinks; linen cabinet; clerestory window; water closet with pocket door; large tiled shower with showerhead & rain can; and premium shower door with towel bar in Primary Bath. Window & linen cabinet in full hall Bath. Fireplace with Shiplap face to ceiling in LR, flanked by custom wood shelving on both sides. Basement has FR, 2 BRs with egress & walk-in closets, a FULL Bath & 2 unfinished storage areas. Drop Zone inside garage entry. Main floor Laundry with electrical outlets; dryer vent & water hookups. Finished/insulated (R11 walls/R19 ceiling) Garage with belt driven WiFi openers, keypad & water spigot + 2 exterior water spigots. Hi-Eff HVAC; 50-gal commercial grade water heater; plumbed for water softener. The Front Landscaping was completed & the Yard was freshly Sodded the first week of August. Buried Downspouts; 200 amp electric; Southwestern Electric for electricity/Ameren for natural gas. 1 year builder warranty. C&Rs avail at: https://www.rlpdevelopment.com/subdivision/homes-of-liberty-place

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

8/10
7/10
Triad Middle SchoolGrades 6-85.8 mi
9/10
Triad High SchoolGrades 9-124.1 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Architectural Shingle
  • Construction materials: Brick,Stone,Vinyl Siding

Other

  • Builder name: Penn Builders, Llc

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Dishwasher,Disposal,Plumbed For Ice Maker,Microwave,Range Hood,Free-Standing Gas Range,Electric Water Heater
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Room,Main Level,See Remarks,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Concrete,Partially Finished,Full,Sleeping Area,Storage Space,Sump Pump

Bathroom

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 72
  • Dimensions: 9x8

Bathroom3

  • Features: Floor Covering: Ceramic Tile
  • Level: Lower
  • Area: 50
  • Dimensions: 5x10

Bedroom2

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 143
  • Dimensions: 13x11

Bedroom3

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 143
  • Dimensions: 13x11

Bedroom4

  • Features: Floor Covering: Carpeting
  • Level: Lower
  • Area: 192
  • Dimensions: 16x12

Bedroom5

  • Features: Floor Covering: Carpeting
  • Level: Lower
  • Area: 192
  • Dimensions: 16x12

Bedrooms & Bathrooms

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

Dining Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 154
  • Dimensions: 11x14

Family Room

  • Features: Floor Covering: Carpeting
  • Level: Lower
  • Area: 512
  • Dimensions: 16x32

Features

  • Breakfast Bar,Built-in Features,Ceiling Fan(s),Custom Cabinetry,Double Vanity,Kitchen Island,Kitchen/Dining Room Combo,Lever Faucets,Open Floorplan,Recessed Lighting,See Remarks,Shower,Storage,Tray Ceiling(s),Tub,Walk-In Closet(s),Walk-In Pantry
  • Window features: Double Pane Windows,Low Emissivity Windows,Screens,Tilt-In Windows
  • Number of fireplaces: 1
  • Fireplace features: Blower Fan,Electric,Living Room,See Remarks
  • Fireplace: Yes
  • Finished area below ground: 1,179
  • Finished area above ground: 2,018

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 3,197
  • Total interior livable area: 3,197 sqft

Kitchen

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 168
  • Dimensions: 12x14

Laundry

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 60
  • Dimensions: 10x6

Living Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 368
  • Dimensions: 23x16

Primary Bathroom

  • Features: Floor Covering: Ceramic Tile
  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Primary Bedroom

  • Features: Floor Covering: Carpeting
  • Level: Main
  • Area: 225
  • Dimensions: 15x15

Storage

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 25
  • Dimensions: 5x5

Property

Accessibility

  • Accessibility features: Central Living Area

Details

  • Parcel number: 092221501102034
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Covered,Front Porch,Patio,See Remarks
  • Exterior features: Lighting,Rain Gutters
  • Frontage length: 77.98

Lot

  • Lot size: 10,759 sqft
  • Features: Back Yard,Front Yard,Rectangular Lot
  • Lot size dimensions: 77.98 x 130.96 x 86.65 x 130.79

Parking

  • Total spaces: 3
  • Parking features: Attached,Concrete,Driveway,Garage,Garage Door Opener,Inside Entrance
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

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

  • Heat Wave
    Heat WaveVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Heat Wave
Tornado
Cold Wave
Earthquake
Hail
Lightning
Winter Weather
Inland Flooding
Ice Storm
Strong Wind

FEMA Declared Disasters Across Illinois Counties

Flood

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 $2,793$33,516
Home Insurance *$292$3,504
Property Taxes $824$9,888
Electricity $245$2,950
Total$4,154$49,848
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,422/yr
40% on housing$124,620/yr
45% on housing$110,773/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$173This listing

vs Other Active Listings

Avg $/sqft

ZIP 62294$208
Madison County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 62294$155
Madison County$119

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
2026-07-17Listed for sale$552,500

New Construction

AgentDiane M Malench
BrokerageRE/MAX Alliance

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