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1418 Rural St, Rockford, IL, 61107

4beds
2baths
1,862sqft
$90,000
$48price/sqft
$833/moest. monthly cost
$33,320/yrincome needed

About This Home

Attention investors and rehabbers! This 4-bedroom, 1.5-bath home offers plenty of potential and includes a detached 1-car garage. The property needs renovation and is ready for an experienced buyer to bring it back to life. Cash offers only. Property is being sold strictly as-is.

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

3/10
Eisenhower Middle SchoolGrades 6-82.0 mi
3/10
Guilford High SchoolGrades 9-123.8 mi

Construction

Condition

  • Year built: 1910

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: Upper
  • Area: 132.66

Bedroom3

  • Level: Upper
  • Area: 106.47

Bedroom4

  • Level: Upper
  • Area: 56

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 182

Family Room

  • Level: Main
  • Area: 182

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,862

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,862
  • Total interior livable area: 1,862 sqft

Kitchen

  • Level: Main
  • Area: 168

Living Room

  • Level: Main
  • Area: 182

Master Bedroom

  • Level: Upper
  • Area: 122.85

Property

Details

  • Parcel number: 1124155014

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 7,840 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
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado

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 $455$5,460
Home Insurance *$65$780
Property Taxes $170$2,040
Electricity $143$1,718
Total$833$9,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$28,560/yr
40% on housing$24,990/yr
45% on housing$22,213/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

$48This listing

vs Other Active Listings

Avg $/sqft

ZIP 61107$123
Winnebago County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 61107$116
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
2026-08-07Pending sale$90,000
2026-07-24Listed for sale$90,000
2006-04-03Sold$55,000

For Sale by Agent

AgentOlga Kampmeier
BrokerageKeller Williams Realty Signature

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