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1804 Latham St, Rockford, IL, 61103

2beds
1baths
2,223sqft
$159,900
$72price/sqft
$1,447/moest. monthly cost
$57,880/yrincome needed

About This Home

Cute 1349 Square Foot Home with Hardwood Floors and fenced in back yard. 1 car garage detached with alley access. Street parking as well. Front porch.

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

3/10
2/10
West Middle SchoolGrades 6-80.9 mi
3/10
Guilford High SchoolGrades 9-123.8 mi

Construction

Condition

  • Year built: 1930

Materials

  • Roof: Shingle
  • Construction materials: Siding

Type & Style

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

Interior

Appliances

  • Appliances included: None,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom2

  • Level: Main
  • Area: 169

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Level: Main
  • Area: 143

Features

  • Attic: Storage
  • Finished area below ground: 874
  • Finished area above ground: 1,349

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 2,223
  • Total interior livable area: 2,223 sqft

Kitchen

  • Level: Main
  • Area: 104

Living Room

  • Level: Main
  • Area: 143

Master Bedroom

  • Level: Main
  • Area: 169

Property

Details

  • Parcel number: 1114276023
  • Special condition: Agent Owned/Interest

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered

Lot

  • Lot size: 7,405 sqft
  • Features: City/Town

Parking

  • Total spaces: 1
  • Parking features: Gravel
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado
Hail
Lightning
Strong Wind
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 $808$9,696
Home Insurance *$166$1,992
Property Taxes $303$3,636
Electricity $170$2,051
Total$1,447$17,364
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,611/yr
40% on housing$43,410/yr
45% on housing$38,586/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

$72This listing

vs Other Active Listings

Avg $/sqft

ZIP 61103$106
Winnebago County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 61103$96
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
2026-06-02Listed for sale$159,900
2026-04-16Price change$1,495
2026-04-14Listed for rent$1,395
2017-03-18Listing removed$750
2017-03-09Price change$750
2017-01-13Listed for rent$850
2016-03-16Listing removed$700
2016-01-25Listed for rent$700
2012-02-27Sold$19,000
2011-12-29Price change$19,900
2011-11-23Listed for sale$24,200

For Sale by Agent

AgentKathryn Hulleberg
BrokerageThe Factory Real Estate & Property Management, Llc

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