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12509 Farm School Rd, Durand, IL, 61024

2beds
1baths
0sqft
$134,900
--price/sqft
$1,158/moest. monthly cost
$46,320/yrincome needed

About This Home

Welcome Home to 12509 Farm School Road! This 2-Story home is situated on approximately 1 acre and features 2 Bedrooms/1 Bathroom! SOLD AS-IS. This property is eligible under the Freddie Mac First Look Initiative though 7/27/2026. Seller will not complete any repairs to the subject property, either lender or buyer requested. The property is sold in AS IS condition Taxes prorated at 100 precent. EM MUST BE CERTIFIED FUNDS. Info not guaranteed. Seller does not provide survey. Equal Housing Opportunity. AS-IS

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

7/10
Durand Elementary SchoolGrades PK-63.2 mi
4/10
Durand Jr High SchoolGrades 7-83.2 mi
7/10
Durand High SchoolGrades 9-123.2 mi

Construction

Materials

  • Construction materials: Frame

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished,Full

Bedroom2

  • Level: Second
  • Area: 91
  • Dimensions: 13X7

Bedrooms & Bathrooms

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

Family Room

  • Level: Main
  • Area: 182
  • Dimensions: 14X13

Foyer

  • Level: Main
  • Area: 70
  • Dimensions: 14X5

Heating & Cooling

  • Heating features: Propane
  • Cooling features: None

Interior Area

  • Total structure area: 0

Kitchen

  • Level: Main
  • Area: 238
  • Dimensions: 17X14

Living Room

  • Level: Main
  • Area: 156
  • Dimensions: 12X13

Master Bedroom

  • Level: Second
  • Area: 156
  • Dimensions: 12X13

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0524400005
  • Special condition: Real Estate Owned

Features

  • Stories: 2

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 2
  • Parking features: Yes,Garage Owned,Detached,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
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Drought
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 $682$8,184
Home Insurance *$90$1,080
Property Taxes $256$3,072
Electricity $130$1,569
Total$1,158$13,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,702/yr
40% on housing$34,740/yr
45% on housing$30,880/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 61024$150
Winnebago County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 61024$102
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
2022-02-25Sold$121,000
2022-01-23Pending sale$127,500
2022-01-04Price change$127,500
2021-11-08Price change$145,500
2021-09-28Price change$159,900
2021-09-07Listed for sale$165,500

Unknown Listed By

AgentFrank Rusin
BrokerageFour Seasons Realty, Inc.

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