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4918 Sovereign Blvd, Rockford, IL, 61108

3beds
2baths
1,765sqft
$289,900
$164price/sqft
$2,368/moest. monthly cost
$94,720/yrincome needed

About This Home

Welcome home to this stunning, newly remodeled retreat that perfectly balances modern luxury with cozy, classic charm. Situated in a peaceful established area with the added benefit of low county taxes, this 3-bedroom, 1.5-bathroom gem is the turnkey oasis you’ve been waiting for. Interior Excellence * Newly Remodeled: Modern finishes and a fresh aesthetic flow through every room. * The Heart of the Home: A gorgeous living space anchored by a wood-burning fireplace, perfect for cozying up on chilly evenings. * Peace of Mind: Newer mechanicals throughout mean you can move in with total confidence and zero "to-do" list. Garage & Storage * Large 2.5-Car Attached Garage: Plenty of room for vehicles, a dedicated workshop, and all your seasonal gear. * Partially finished basement with plenty of storage Your Private Outdoor Oasis * Expansive Wood Deck: An entertainer’s dream, ready for summer BBQs and morning coffee. * Fully Fenced Backyard: A secure, private space for pets, play, or gardening. Location & Value Enjoy the best of both worlds—a quiet residential feel with easy access to Rockford’s amenities, all while keeping your overhead low with Winnebago County taxes. This home offers the "new house" feel without the new construction price tag. ------------------------------ Don’t wait—this rare combination of updates and amenities will move fast!

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

7/10
4/10
1/10
Rockford East High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1963

Materials

  • Roof: Asphalt
  • Construction materials: brick

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Garbage disposal,Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Flooring: Hardwood,Linoleum / Vinyl
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,765 sqft

Property

Details

  • Parcel number: 1233101012

Features

  • Exterior features: Brick,Metal

Lot

  • Lot size: 0.25 Acres

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached

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
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Hail
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 $1,465$17,580
Home Insurance *$218$2,616
Property Taxes $550$6,600
Electricity $135$1,629
Total$2,368$28,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,188/yr
40% on housing$71,040/yr
45% on housing$63,146/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

$164This listing

vs Other Active Listings

Avg $/sqft

ZIP 61108$130
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
2026-07-22Price change$289,900
2026-06-12Listed for sale$299,000
2020-05-07Sold$109,000
2014-10-31Sold$54,600
2014-09-24Price change$39,700
2014-09-10Price change$12,000
2014-09-06Listed for sale$39,700
2012-07-24Listing removed$85,000
2012-02-22Listed for sale$85,000
2010-09-10Listing removed$120,000
2010-06-17Listed for sale$120,000
2010-02-03Listing removed$120,000
2009-10-19Price change$120,000
2009-09-21Listed for sale$125,000
2009-08-17Listing removed$125,000
2009-08-02Listed for sale$125,000

For Sale by Owner

AgentProperty Owner

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