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3025 E State St, Rockford, IL, 61108

5beds
3baths
3,346sqft
$425,000
$127price/sqft
$3,532/moest. monthly cost
$141,280/yrincome needed

About This Home

A Classic Colonial w/timeless charisma nestled amongst almost 2 acres of woods offering real privacy in the city. Upon entering this property you are guided along the circle driveway. This home features 5 BR, 2 full & 2 half baths, pristine hardwood floors, 3 gas fireplaces. The large living room features the 1st fireplace flanked by glass doors leading to the sunroom featuring a 3 sided view of the serine mature property. The dining room has ample room to be comfortable while hosting dinner events. The kitchen has ample counter space with a generous amount of cabinets including floor to ceiling cupboards at the entry from the screened in porch. The amazing breakfast room/eat-in area of the kitchen is quite spacious for everyday family meals. The library/study/office has the 2nd gas fireplace, built in book shelves & cabinets. The 5 bedrooms located on the upper floor are very generous in size featuring good sized closets. The 2 full bathrooms are on this floor. The accessible walk-up attic has ample storage and potential for additional living area. The lower level features a large rec room easily accommodating a gaming room, movie room, game day entertaining with the 3rd gas fireplace, wet bar and built in shelving. There is a half bath and access to the outside on the other side of the lower level. A 4 car tandem garage with furnace and angled parking area allows for all sorts of projects or hobbies. In the beautiful yard different colors great you throughout the seasons, a screened “gazebo” situated under mature trees to enjoy sounds of nature.

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

3/10
1/10
Rockford East High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1940

Materials

  • Roof: Shingle
  • Construction materials: Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Dryer,Microwave,Refrigerator,Stove/Cooktop,Washer,Water Softener,Gas Water Heater
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Basement Entrance,Full,Sump Pump

Bedroom2

  • Level: Upper
  • Area: 125.35

Bedroom3

  • Level: Upper
  • Area: 141.44

Bedroom4

  • Level: Upper
  • Area: 176.12

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 152.32

Features

  • L.L. Finished Space,Wet Bar,Book Cases Built In,Solid Surface Counters,Walk-In Closet(s)
  • Window features: Window Treatments
  • Number of fireplaces: 3
  • Fireplace features: Gas
  • Fireplace: Yes
  • Attic: Storage
  • Finished area below ground: 608
  • Finished area above ground: 2,738

Heating & Cooling

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

Interior Area

  • Total structure area: 3,346
  • Total interior livable area: 3,346 sqft

Kitchen

  • Level: Main
  • Area: 167.66

Living Room

  • Level: Main
  • Area: 245.376

Master Bedroom

  • Level: Upper
  • Area: 247.8

Property

Details

  • Parcel number: 1230205002

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio,Porch 3 Season
  • Exterior features: Yard Irrigation

Lot

  • Lot size: 1.97 Acres
  • Features: Wooded,City/Town

Parking

  • Total spaces: 4
  • Parking features: Garage Door Opener,Tandem
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Tornado
Hail
Heat Wave
Ice Storm
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 $2,149$25,788
Home Insurance *$319$3,828
Property Taxes $807$9,684
Electricity $257$3,088
Total$3,532$42,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,097/yr
40% on housing$105,960/yr
45% on housing$94,186/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

$127This listing

vs Other Active Listings

Avg $/sqft

ZIP 61108$132
Winnebago County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 61108$118
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
2026-07-30Price change$425,000
2026-07-10Listed for sale$440,000

For Sale by Agent

AgentSandra McTernan
BrokerageDickerson & Nieman

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