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2717 Kinsey St, Rockford, IL, 61109

2beds
1baths
822sqft
$84,900
$103price/sqft
$774/moest. monthly cost
$30,960/yrincome needed

About This Home

Investment Opportunity: 2-bedroom, 1-bath home currently tenant-occupied on a month-to-month lease, generating $900/month with tenant paying all utilities. Offers a strong value-add opportunity with potential for cosmetic improvements. Features include a 1-car garage and functional living space. Ideal for investors seeking immediate cash flow with upside potential. Great starter home as well.

Getting Around

57
WalkingSomewhat Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

3/10
1/10
Jefferson High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 1940

Materials

  • Roof: Shingle
  • Construction materials: Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Full Exposure

Bedroom2

  • Level: Main
  • Area: 107.625

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 822

Heating & Cooling

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

Interior Area

  • Total structure area: 822
  • Total interior livable area: 822 sqft

Kitchen

  • Level: Main
  • Area: 161.25

Living Room

  • Level: Main
  • Area: 210

Master Bedroom

  • Level: Main
  • Area: 107.625

Property

Details

  • Parcel number: 1501129015

Lot

  • Lot size: 6,534 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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
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 $429$5,148
Home Insurance *$54$648
Property Taxes $161$1,932
Electricity $130$1,569
Total$774$9,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,537/yr
40% on housing$23,220/yr
45% on housing$20,640/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

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 61109$103
Winnebago County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 61109$122
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
2026-04-20Listed for sale$84,900
2026-03-05Listing removed$85,000
2026-02-15Price change$85,000
2026-02-13Price change$87,500
2026-02-07Price change$85,000
2026-02-03Listed for sale$90,000
2026-01-29Listing removed$89,000
2026-01-17Listed for sale$89,000
2024-12-26Sold$72,000
2020-01-02Sold$24,000
2017-10-12Listing removed$19,900
2017-10-11Listed for sale$19,900
2017-10-11Pending sale$19,900
2017-09-29Sold$17,000
2017-08-30Price change$19,900
2017-07-31Price change$24,500
2017-06-29Listed for sale$27,500
2017-04-27Listing removed$34,639
2017-03-30Listed for sale--
2000-04-05Sold$49,000

For Sale by Agent

AgentDimas Trujillo
BrokerageSmart Home Realty

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