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3765 Lookout Dr, Rockford, IL, 61109

3beds
3baths
2,173sqft
$275,000
$127price/sqft
$2,256/moest. monthly cost
$90,240/yrincome needed

About This Home

Fabulous home on large 1/3 acre corner lot! Home features hardwood floors, vaulted ceilings, 1st floor primary suite & 2 additional bedrooms upstairs PLUS a finished walkout basement for even more space! Updated stainless steel appliances too ~ don't miss it!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

4/10
1/10
Jefferson High SchoolGrades 9-120.3 mi

Construction

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Interior Area

  • Total structure area: 2,173
  • Total interior livable area: 2,173 sqft

Property

Details

  • Parcel number: 1618203021

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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Hail
Inland Flooding
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 $1,390$16,680
Home Insurance *$177$2,124
Property Taxes $522$6,264
Electricity $167$2,005
Total$2,256$27,072
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,348/yr
40% on housing$67,680/yr
45% on housing$60,160/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

$127This listing

vs Other Active Listings

Avg $/sqft

ZIP 61109$100
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
2025-11-21Listed for sale$275,000
2025-11-19Sold$255,000
2025-10-17Contingent$259,900
2025-10-09Price change$259,900
2025-09-25Listed for sale$275,000
2022-07-29Sold$215,000
2022-06-24Pending sale$225,000
2022-06-16Price change$225,000
2022-06-13Listed for sale$249,900
2002-09-23Sold$122,500
1999-04-05Sold$110,000

For Sale by Agent

AgentBeth Armstrong
BrokerageStarck Real Estate

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