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2373 Geddes Rd, Rockford, IL, 61103

3beds
3baths
3,200sqft
$1,199,990
$375price/sqft
$9,841/moest. monthly cost
$393,640/yrincome needed

About This Home

PERTINENT FACTS: OPPORTUNITY TO OWN RARE, 11.5 (MOL) ACRES WITH 2.5 ACRE STOCKED POND, and 3 HOMES - 3 BDRM, 2.5 BTH MAIN HOUSE, 2 BDRM, 1 BTH RENTAL HOUSE, 1 BDRM, 1 BTH CARETAKERS UNIT AND that 2.5 ACRE PRIVATE, FERTILE, STOCKED POND!!! PARK-LIKE, PICTURESQUE setting great for water activities, camping, fishing, picnicking...come enjoy a hammock between the trees, WATCH STARS FROM THE WATERSIDE GAZEBO.... Secluded, yet close to town and easy access to major thoroughfares. BONUS- RENTAL INCOME FROM ONE OF THE UNITS AND POSSIBLY TWO FOR NEW OWNER! 3 LIVING UNITS, MAIN HOUSE, RENTAL HOUSE AND CARETAKERS EFFICIENCY UNIT. MAIN HOUSE AND CARETAKERS UNIT SHARE WELL. DETAILS OF EACH UNIT, PROPERTY AND GROUNDS IN THE DOCUMENTS SECTION HERE. DO NOT ACCESS PREMISES W/O AN APPOINTMENT PLEASE!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

6/10
2/10
West Middle SchoolGrades 6-84.0 mi
1/10
Auburn High SchoolGrades 9-125.2 mi

Construction

Condition

  • Year built: 1941

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Stove/Cooktop,Water Softener Rented,Natural Gas Water Heater
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Partial,Sump Pump

Bedroom2

  • Level: Upper
  • Area: 196.5

Bedroom3

  • Level: Upper
  • Area: 166.4

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 352.5

Features

  • Solid Surface Counters
  • Number of fireplaces: 4
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,200

Heating & Cooling

  • Heating features: Forced Air,Zoned,Natural Gas
  • Cooling features: Central Air,Window Unit(s)

Interior Area

  • Total structure area: 3,200
  • Total interior livable area: 3,200 sqft

Kitchen

  • Level: Main
  • Area: 271.25

Living Room

  • Level: Main
  • Area: 594

Master Bedroom

  • Level: Main
  • Area: 210

Property

Details

  • Parcel number: 0726201002

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio,Covered
  • Exterior features: Swing Set
  • Has view: Yes
  • View description: Country
  • Has water view: Yes
  • On waterfront: Yes
  • Waterfront features: Creek/Pond

Lot

  • Lot size: 11.52 Acres
  • Features: County Taxes,Agricultural,Wooded,Subdivided,Rural

Parking

  • Total spaces: 2.5
  • Parking features: Asphalt,Detached,Garage Door Opener,Gravel,Shared
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

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

  • Inland Flooding
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Tornado
Cold Wave
Hail
Strong Wind
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 $6,067$72,804
Home Insurance *$1,249$14,988
Property Taxes $2,279$27,348
Electricity $246$2,953
Total$9,841$118,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$337,405/yr
40% on housing$295,230/yr
45% on housing$262,426/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

$375This listing

vs Other Active Listings

Avg $/sqft

ZIP 61103$96
Winnebago County$119

vs Homes Sold Last Month

Median $/sqft

ZIP 61103$96
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
2025-07-25Listed for sale$1,500,000
1998-10-01Sold$237,000

For Sale by Agent

AgentKathleen Ricotta
BrokerageBerkshire Hathaway Homeservices Crosby Starck Re

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