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9960 Bitterroot Rd, Roscoe, IL, 61073

--beds
--baths
3,477sqft
$499,900
$144price/sqft
$4,009/moest. monthly cost
$160,360/yrincome needed

About This Home

Well-maintained 4-unit ranch-style apartment building in the highly sought-after Kinnikinnick/Hononegah School District. Each unit features 2 bedrooms, 1 bathroom, kitchen, living room, and a full basement with laundry hookups. All-brick exterior with newer roof and windows. Two units fully remodeled in 2025. Separate utilities for each unit, including four electric water heaters. Appliances include Refrigerator, Dishwasher, Stove and Exhaust Fan in each unit. Blacktop driveway with parking for up to 8 vehicles. Currently on well and septic, with public water and sewer available at the road. Additional lot included (see separate parcel). Solid investment opportunity with strong rental appeal and future upside potential.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
Kinnikinnick SchoolGrades 4-51.0 mi
7/10
Roscoe Middle SchoolGrades 6-81.5 mi
5/10
Hononegah High SchoolGrades 9-124.3 mi

Construction

Condition

  • Year built: 1980

Materials

  • Roof: Shingle
  • Construction materials: Brick/Stone

Type & Style

  • Home type: MultiFamily
  • Property subType: 3 - 4 Units

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Stove/Cooktop,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Features

  • Finished area below ground: 0
  • Finished area above ground: 3,477

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 3,477
  • Total interior livable area: 3,477 sqft

Property

Details

  • Parcel number: 0804252008
  • Zoning: RM

Features

  • Levels: One
  • Stories: 1

Lot

  • Features: County Taxes

Parking

  • Total spaces: 8
  • Parking features: Additional Parking

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 $267$3,209
Total$4,009$48,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,451/yr
40% on housing$120,270/yr
45% on housing$106,906/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

$144This listing

vs Other Active Listings

Avg $/sqft

ZIP 61073$137
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)

Price History

DateEventPrice
2026-05-07Listed for sale$499,900
2026-04-28Pending sale$499,900
2026-04-21Price change$499,900
2026-03-31Listed for sale$525,000
2025-11-03Listing removed--
2025-10-27Listed for sale$499,900
2000-09-19Sold$150,000

For Sale by Agent

AgentMelissa Smith
BrokerageCentury 21 Affiliated

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