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10959 Hamborg Rd, Roscoe, IL, 61073

5beds
4baths
4,344sqft
$499,900
$115price/sqft
$4,076/moest. monthly cost
$163,040/yrincome needed

About This Home

Nestled on almost 3 wooded acres, this spacious two-story home with a finished walkout lower level offers over 4,300 square feet of versatile living space. A circular drive welcomes you to an inviting floor plan featuring 5 bedrooms, 3 .5 baths, a formal dining room, private office, first-floor laundry, living room, and family room with a gas fireplace. The expansive kitchen features granite countertops, a large island with cooktop, wall oven, breakfast bar, and abundant cabinetry. Four-season sunroom overlooking the private backyard. Upstairs, the spacious primary suite offers a walk-in closet, dual vanities, a soaking tub, and separate shower, along with three additional bedrooms. The finished walkout lower level provides exceptional flexibility with a second kitchen, additional family room, fifth bedroom, full bath, and bonus room ideal for an office, hobby room, or potential sixth bedroom. Enjoy peaceful wooded views from the deck or patio, offering the perfect setting to relax or entertain. Furnace 2022, A/C 2026 Siding 2026. Property Sold As Is.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

8/10
Stone Creek SchoolGrades 2-30.7 mi
7/10
Roscoe Middle SchoolGrades 6-81.2 mi
5/10
Hononegah High SchoolGrades 9-125.1 mi

Construction

Condition

  • Year built: 1989

Materials

  • Roof: Shingle
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Wall Oven,Washer,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Full Exposure

Bedroom2

  • Level: Upper
  • Area: 166.75

Bedroom3

  • Level: Upper
  • Area: 175.5

Bedroom4

  • Level: Upper
  • Area: 155.25

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 189.074

Family Room

  • Level: Main
  • Area: 268.38

Features

  • Great Room,L.L. Finished Space,Ceiling-Vaults/Cathedral,Second Kitchen,Walk-In Closet(s)
  • Window features: Window Treatments
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 1,200
  • Finished area above ground: 3,144

Heating & Cooling

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

Interior Area

  • Total structure area: 4,344
  • Total interior livable area: 4,344 sqft

Kitchen

  • Level: Main
  • Area: 181.8

Living Room

  • Level: Main
  • Area: 214.88

Master Bedroom

  • Level: Upper
  • Area: 229.5

Property

Details

  • Parcel number: 0435326015

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio,Porch 4 Season
  • Has spa: Yes
  • Spa features: Bath

Lot

  • Lot size: 2.84 Acres
  • Features: Wooded,City/Town

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Hail
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
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 $2,527$30,324
Home Insurance *$266$3,192
Property Taxes $949$11,388
Electricity $334$4,009
Total$4,076$48,912
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$139,748/yr
40% on housing$122,280/yr
45% on housing$108,693/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: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$115This listing

vs Other Active Listings

Avg $/sqft

ZIP 61073$138
Winnebago County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 61073$151
Winnebago County$121

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)

No zestimate history available

Price History

DateEventPrice
2026-08-05Pending sale$499,900
2026-07-08Listed for sale$499,900
2016-04-18Sold$347,000
2016-03-29Pending sale$349,000
2016-03-16Price change$349,000
2016-02-23Listed for sale$359,900
2016-02-23Pending sale$359,900
2016-02-12Pending sale$359,900
2016-01-19Price change$359,900
2016-01-06Price change$374,900
2015-09-15Listed for sale$389,900
2009-07-02Sold$350,000
2008-02-07Listing removed$389,000
2008-02-01Listed for sale$389,000

For Sale by Agent

AgentTom Humpal
BrokerageRe/Max Property Source

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