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731 James Ave, Rockford, IL, 61107

5beds
3baths
2,570sqft
$289,900
$113price/sqft
$2,421/moest. monthly cost
$96,840/yrincome needed

About This Home

Welcome to 731 James Ave, Rockford, IL, a beautifully renovated home that perfectly blends modern style with everyday functionality! This move-in-ready property offers 5 spacious bedrooms, 2.5 updated bathrooms, and a 2-car garage, providing plenty of room for family, guests, or a home office. Step inside to discover a bright, modern interior featuring stylish finishes, updated flooring, a stunning kitchen, and beautifully remodeled bathrooms. Every detail has been thoughtfully updated. The finished lower level adds living space, while the backyard is designed for entertaining, with an in-ground pool that's perfect for relaxing and making the most of summer. If you've been searching for a home that combines space, style, and comfort, this is one you won't want to miss. Schedule your private showing today!

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

3/10
1/10
Rockford East High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1944

Materials

  • Roof: Shingle
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bedroom2

  • Level: Main
  • Area: 132

Bedroom3

  • Level: Upper
  • Area: 169

Bedroom4

  • Level: Upper
  • Area: 384

Bedrooms & Bathrooms

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

Family Room

  • Level: Lower
  • Area: 240

Features

  • L.L. Finished Space,Solid Surface Counters
  • Finished area below ground: 858
  • Finished area above ground: 1,712

Heating & Cooling

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

Interior Area

  • Total structure area: 2,570
  • Total interior livable area: 2,570 sqft

Kitchen

  • Level: Main
  • Area: 238

Living Room

  • Level: Main
  • Area: 204

Master Bedroom

  • Level: Main
  • Area: 210

Property

Details

  • Parcel number: 1219158004

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: In Ground
  • Patio & porch: Deck,Patio
  • Fencing: Fenced

Lot

  • Lot size: 7,840 sqft
  • Features: City/Town

Parking

  • Total spaces: 2.5
  • Parking features: Detached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

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
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Strong Wind
Tornado
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 $1,465$17,580
Home Insurance *$209$2,508
Property Taxes $550$6,600
Electricity $197$2,372
Total$2,421$29,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,005/yr
40% on housing$72,630/yr
45% on housing$64,560/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

$113This listing

vs Other Active Listings

Avg $/sqft

ZIP 61107$121
Winnebago County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 61107$116
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
2026-08-08Pending sale$289,900
2026-07-23Listed for sale$289,900
2026-04-30Sold$148,000
2026-04-20Pending sale$156,900
2026-04-04Price change$156,900
2026-03-13Price change$169,900
2026-01-30Listed for sale$174,900
2019-10-28Sold$61,800
2019-10-01Pending sale$68,640
2019-09-27Price change$68,640
2019-08-13Listed for sale$78,000
2019-06-26Sold$115,538
2018-08-22Price change$89,610
2018-08-04Price change$45,200
2018-02-13Price change$89,610
2018-01-12Listed for sale--
2007-01-03Sold$107,900
2000-04-05Sold$91,000

For Sale by Agent

AgentViridiana Duran
BrokerageRealty Of America, Llc

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