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2436 Kristi Ln, Rockford, IL, 61102

3beds
2baths
1,495sqft
$314,900
$211price/sqft
$2,728/moest. monthly cost
$109,120/yrincome needed

About This Home

Beautifully maintained single-owner ranch built in 2006 with no HOA, offering quality construction, thoughtful updates, and true pride of ownership throughout. This move-in ready home features desirable one-level living, an oversized 2-car garage, and a functional layout designed for both comfort and convenience. The expansive eat-in kitchen is a standout, featuring an impressive amount of cabinetry, abundant counter space, a center island with additional storage, and included gas stove, dishwasher, and microwave-perfectly designed for everyday living, entertaining, and gathering. Interior highlights include solid bamboo flooring, updated vinyl bathroom flooring, upgraded 6-panel interior doors, and major appliances including the stove, dishwasher, microwave, washer, and dryer all less than 5 years old. The unfinished basement offers endless possibilities for future finishing, whether you envision additional living space, a rec room, home office, workout area, or versatile flex space, and is enhanced by a replaced egress window for added versatility. Additional improvements include a newer furnace (2017), A/C (2014) and comfort-height toilets. Roof installed in 2006 with a 40-year shingle. A rare opportunity to own an exceptionally well-cared-for ranch with lasting value and move-in ready appeal.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
5/10
Winnebago Middle SchoolGrades 6-85.1 mi
3/10
Winnebago High SchoolGrades 9-125.0 mi

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Vinyl Siding,Brick

Type & Style

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

Interior

Appliances

  • Laundry features: In Unit

Basement

  • Has basement: Yes
  • Basement: Unfinished,Full

Bedroom2

  • Features: Flooring (Bamboo)
  • Level: Main
  • Area: 140
  • Dimensions: 10X14

Bedroom3

  • Features: Flooring (Bamboo)
  • Level: Main
  • Area: 110
  • Dimensions: 10X11

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 96
  • Dimensions: 12X8

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,495 sqft

Kitchen

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 132
  • Dimensions: 12X11

Laundry

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 35
  • Dimensions: 7X5

Living Room

  • Features: Flooring (Bamboo)
  • Level: Main
  • Area: 342
  • Dimensions: 18X19

Master Bedroom

  • Features: Flooring (Bamboo),Bathroom (Full)
  • Level: Main
  • Area: 196
  • Dimensions: 14X14

Walk In Closet

  • Features: Flooring (Bamboo)
  • Level: Main
  • Area: 30
  • Dimensions: 5X6

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 1132179017
  • Special condition: None

Features

  • Stories: 1

Lot

  • Lot size: 9,583 sqft

Parking

  • Total spaces: 2
  • Parking features: Yes,Attached,Garage
  • 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
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
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 $1,592$19,104
Home Insurance *$408$4,896
Property Taxes $598$7,176
Electricity $130$1,569
Total$2,728$32,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,531/yr
40% on housing$81,840/yr
45% on housing$72,746/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

$211This listing

vs Other Active Listings

Avg $/sqft

ZIP 61102$85
Winnebago County$119

vs Homes Sold Last Month

Median $/sqft

ZIP 61102$111
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
2026-05-12Price change$333,500
2026-04-27Listed for sale$339,950
2007-01-26Sold$158,900

For Sale by Agent

AgentMELANIE MORNINGSTAR, ABR,CSC,SFR
BrokerageColdwell Banker Real Estate Group

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