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1630 E State St, Rockford, IL, 61104

3beds
2baths
1,828sqft
$145,000
$79price/sqft
$1,333/moest. monthly cost
$53,320/yrincome needed

About This Home

1828 SF home 3 bed 2 full bath with tons of potential. LR, DR, Parlor, kitchen and bath on main level. Three bedrooms and a full bath on upper level. Full basement. (Stool and old shower in basement) Complete roof replacement with copper gutter and downspout install 2024. New furnace 2024. Cash/Conventional buyers only.

Getting Around

62
WalkingSomewhat Walkable
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

3/10
1/10
Rockford East High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Shingle
  • Construction materials: Siding,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Stove/Cooktop,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom2

  • Level: Upper
  • Area: 163.3

Bedroom3

  • Level: Upper
  • Area: 168.98

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1

Dining Room

  • Level: Main
  • Area: 156.8

Features

  • Window features: Window Treatments
  • Finished area below ground: 0
  • Finished area above ground: 1,828

Heating & Cooling

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

Interior Area

  • Total structure area: 1,828
  • Total interior livable area: 1,828 sqft

Kitchen

  • Level: Main
  • Area: 163.2

Living Room

  • Level: Main
  • Area: 239.98

Master Bedroom

  • Level: Upper
  • Area: 197.4

Property

Details

  • Parcel number: 1124382021

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 6,098 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
  • 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 $733$8,796
Home Insurance *$185$2,220
Property Taxes $275$3,300
Electricity $140$1,687
Total$1,333$15,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,702/yr
40% on housing$39,990/yr
45% on housing$35,546/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

$79This listing

vs Other Active Listings

Avg $/sqft

ZIP 61104$79
Winnebago County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 61104$91
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
2026-08-03Price change$145,000
2026-07-09Price change$150,000
2026-06-20Price change$160,000
2026-06-05Listed for sale$170,000
2001-12-27Sold$80,000

For Sale by Agent

AgentDarin Spades
BrokerageRealty One Group Strategies

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