See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

3111 8th St, Rockford, IL, 61109

2beds
1baths
850sqft
$125,000
$147price/sqft
$1,079/moest. monthly cost
$43,160/yrincome needed

About This Home

Move-in ready and beautifully updated! This charming 2-bedroom, 1-bath home is the perfect opportunity for first-time homebuyers or investors looking to expand their rental portfolio. Recently renovated with modern updates throughout, this home offers a comfortable and inviting living space ready for its new owner. Situated on a quiet dead-end street with minimal traffic, you’ll enjoy added privacy while still being less than 5 minutes from US-20, making commuting quick and convenient. The property also features a spacious yard with plenty of room to relax, entertain, or let pets and kids play. Don’t miss your chance to own this updated home.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

3/10
1/10
Jefferson High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1951

Materials

  • Roof: Shingle
  • Construction materials: Siding

Type & Style

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

Interior

Appliances

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

Bedroom2

  • Level: Main
  • Area: 117

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: 850

Heating & Cooling

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

Interior Area

  • Total structure area: 850
  • Total interior livable area: 850 sqft

Kitchen

  • Level: Main
  • Area: 72

Living Room

  • Level: Main
  • Area: 418

Master Bedroom

  • Level: Main
  • Area: 130

Property

Details

  • Parcel number: 1502430014

Lot

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

Parking

  • Parking features: None

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
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
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 $632$7,584
Home Insurance *$80$960
Property Taxes $237$2,844
Electricity $130$1,569
Total$1,079$12,948
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$36,994/yr
40% on housing$32,370/yr
45% on housing$28,773/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

$147This listing

vs Other Active Listings

Avg $/sqft

ZIP 61109$102
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)

No zestimate history available

Price History

DateEventPrice
2026-08-04Pending sale$125,000
2026-07-24Listed for sale$125,000
2026-02-09Sold$85,000
2026-02-03Contingent$79,000
2026-01-30Listed for sale$79,000

For Sale by Agent

AgentViridiana Duran
BrokerageRealty Of America, Llc

Similar Homes