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618 Napoleon St, Rockford, IL, 61103

2beds
1baths
996sqft
$125,000
$126price/sqft
$1,129/moest. monthly cost
$45,160/yrincome needed

About This Home

Welcome home to 618 Napoleon St! This inviting home offers comfortable living with a practical layout and plenty of potential to make it your own. Conveniently located close to schools, parks, shopping, restaurants, and everyday amenities, you'll enjoy having everything you need just minutes away. Whether you're a first-time buyer or searching for your next investment, this is a great opportunity you won't want to miss!

Getting Around

52
WalkingSomewhat Walkable
0
TransitVery Limited Transit
63
BikeBikeable

Schools

4/10
Ellis Arts AcademyGrades K-51.4 mi
2/10
West Middle SchoolGrades 6-80.8 mi
1/10
Auburn High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1915

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,Gas Water Heater
  • Laundry features: In Basement

Basement

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

Bedroom2

  • Level: Upper
  • Area: 140.12

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 124.45

Features

  • Marble Counters
  • Finished area below ground: 0
  • Finished area above ground: 996

Heating & Cooling

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

Interior Area

  • Total structure area: 996
  • Total interior livable area: 996 sqft

Kitchen

  • Level: Main
  • Area: 110.04

Living Room

  • Level: Main
  • Area: 166.11

Master Bedroom

  • Level: Upper
  • Area: 216

Property

Details

  • Parcel number: 1114378002

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 5,662 sqft
  • Features: City/Town

Parking

  • Total spaces: 1
  • Parking features: Detached
  • 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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Tornado
Hail
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 $632$7,584
Home Insurance *$130$1,560
Property Taxes $237$2,844
Electricity $130$1,569
Total$1,129$13,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,708/yr
40% on housing$33,870/yr
45% on housing$30,106/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

$126This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-11Pending sale$125,000
2026-07-20Price change$125,000
2026-07-10Listed for sale$130,000
2026-01-30Sold$115,000
2026-01-12Pending sale$115,000
2025-12-21Price change$115,000
2025-12-08Price change$119,900
2025-11-13Listed for sale$125,000
2025-10-06Pending sale$125,000
2025-09-19Listed for sale$125,000
2025-07-07Sold$44,000
2000-08-01Sold$44,000

For Sale by Agent

AgentJess Gearhart
BrokerageExp Realty

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