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1401 Stone Bridge Xing, Rockford, IL, 61108

3beds
3baths
2,593sqft
$274,000
$106price/sqft
$2,310/moest. monthly cost
$92,400/yrincome needed

About This Home

Ranch condo offers 3 bedrooms, 3 full baths, and a functional layout. Main floor features cathedral ceilings in the living room, kitchen, and primary bedroom. The kitchen has a breakfast bar and dining area. Primary suite with walk-in closet and full bath with tile-surround walk-in shower. Patio access from the kitchen and primary suite. The finished lower level adds flexible living space with a family room, third bedroom with egress window, full bath, and storage area. Well-planned indoor and outdoor living areas make this condo easy to enjoy for everyday living or entertaining.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
3/10
Eisenhower Middle SchoolGrades 6-83.2 mi
3/10
Guilford High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 2005

Materials

  • Roof: Shingle
  • Construction materials: Brick/Stone,Siding

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Microwave,Refrigerator,Stove/Cooktop,Natural Gas Water Heater
  • Laundry features: Main Level

Basement

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

Bedroom2

  • Level: Main
  • Area: 144

Bedroom3

  • Level: Lower
  • Area: 208

Bedrooms & Bathrooms

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

Family Room

  • Level: Lower
  • Area: 400

Features

  • L.L. Finished Space,Solid Surface Counters
  • Finished area below ground: 1,144
  • Finished area above ground: 1,449

Heating & Cooling

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

Interior Area

  • Total structure area: 2,593
  • Total interior livable area: 2,593 sqft

Kitchen

  • Level: Main
  • Area: 144

Living Room

  • Level: Main
  • Area: 364

Master Bedroom

  • Level: Main
  • Area: 252

Property

Details

  • Parcel number: 1227356017

Features

  • Entry location: First Floor
  • Patio & porch: Patio

Lot

  • Features: Partial Exposure,City/Town

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Hail
Inland Flooding
Ice Storm
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 $1,385$16,620
Home Insurance *$206$2,472
Property Taxes $520$6,240
Electricity $199$2,393
Total$2,310$27,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,200/yr
40% on housing$69,300/yr
45% on housing$61,600/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

$106This listing

vs Other Active Listings

Avg $/sqft

ZIP 61108$132
Winnebago County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 61108$118
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
2026-08-13Price change$269,000
2026-07-30Listed for sale$274,000
2019-08-19Sold$174,000
2019-06-12Listed for sale$174,000
2012-07-12Sold$106,500
2005-08-16Sold$166,000

For Sale by Agent

AgentCassandra Hoch
BrokerageKey Realty, Inc

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