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731 Napoleon St, Rockford, IL, 61103

4beds
2baths
1,645sqft
$65,000
$40price/sqft
$648/moest. monthly cost
$25,920/yrincome needed

About This Home

Great investment opportunity in Rockford! This spacious two-story home offers tons of potential for investors, rehabbers, or buyers looking for a renovation project. Features include original hardwood floors, tall ceilings, classic character, a large front porch, and a full basement. Interior demo has already begun, giving the next owner a head start. Conveniently located near downtown, shopping, schools, and parks. Bring your vision and restore this home to its full potential!

Getting Around

50
WalkingSomewhat Walkable
0
TransitVery Limited Transit
56
BikeBikeable

Schools

4/10
Ellis Arts AcademyGrades K-51.4 mi
2/10
West Middle SchoolGrades 6-80.7 mi
1/10
Auburn High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Shingle
  • Construction materials: Siding

Type & Style

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

Interior

Appliances

  • Appliances included: None,No Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom2

  • Level: Upper
  • Area: 144

Bedroom3

  • Level: Upper
  • Area: 121

Bedroom4

  • Level: Upper
  • Area: 100

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main
  • Area: 144

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,645

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,645
  • Total interior livable area: 1,645 sqft

Kitchen

  • Level: Main
  • Area: 168

Living Room

  • Level: Main
  • Area: 168

Master Bedroom

  • Level: Upper
  • Area: 168

Property

Details

  • Parcel number: 1114332018
  • Special condition: Real Estate Owned

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 6,969 sqft
  • Features: City/Town

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $328$3,936
Home Insurance *$67$804
Property Taxes $123$1,476
Electricity $130$1,569
Total$648$7,776
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$22,217/yr
40% on housing$19,440/yr
45% on housing$17,280/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

$40This listing

vs Other Active Listings

Avg $/sqft

ZIP 61103$107
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
1999-10-08Sold$47,500

Unknown Listed By

AgentJohn Murray
BrokerageKey Realty, Inc.

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