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6871 Montague Rd, Rockford, IL, 61102

4beds
5baths
6,437sqft
$1,000,025
$155price/sqft
$8,749/moest. monthly cost
$349,960/yrincome needed

About This Home

6400+SF living space | 5.41 Acres | Cherrywood Flooring through-out | Primary 1- private covered deck, bathroom with whirlpool tub, walk-in shower w/attached sauna, his & hers closets | Primary 2-private entrance to main covered deck, large walk-in closet, full bath | Open concept living-Redwood columns-Expansive ceiling heights-custom Fireplace w/built-ins | Chef's kitchen-Cherry cabinets-Limestone counters-large island with prep sink-3 Full ovens-microwave/wall oven (12/25)-gas cooktop-beverage fridge-eat in area with sliders out to covered deck w/access to back yard | Custom stairway to Gallery-style overlook | Office space/Flex Space | Media/Game room with wet bar | Partially exposed Lower level executed by Ron Beard | Family room w/2nd entrance to garage | Private Wine Cellar | Exercise room w/custom barn doors for privacy | Flex space | 2 additional bedrooms with large walk-in closets & share a Jack-N-Jill bath featuring separate vanities and large walk-in shower | Backyard features resort living | Heated Saltwater pool by Sonco Pools | Pavillion offering gas grill-fridge-ice maker-Sapphire brand smoker & retractable sun shade | outdoor fireplace w/additional seating | Whole house generator

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Winnebago Middle SchoolGrades 6-84.5 mi
3/10
Winnebago High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 2008

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Dryer,Microwave,Refrigerator,Stove/Cooktop,Wall Oven,Washer,Water Softener,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bedroom2

  • Level: Main
  • Area: 182

Bedroom3

  • Level: Lower
  • Area: 165.92

Bedroom4

  • Level: Lower
  • Area: 295.92

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 2

Dining Room

  • Level: Main
  • Area: 257.28

Family Room

  • Level: Main
  • Area: 861.08

Features

  • Great Room,L.L. Finished Space,Audio/Video,Wet Bar,Book Cases Built In,Ceiling-Vaults/Cathedral,Solid Surface Counters,Sauna,Walk-In Closet(s)
  • Window features: Window Treatments
  • Number of fireplaces: 1
  • Fireplace features: Gas,Fire-Pit/Fireplace
  • Fireplace: Yes
  • Finished area below ground: 2,301
  • Finished area above ground: 4,136

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 6,437
  • Total interior livable area: 6,437 sqft

Kitchen

  • Level: Main
  • Area: 454.3

Master Bedroom

  • Level: Main
  • Area: 248.4

Property

Details

  • Parcel number: 1506100032
  • Other equipment: Generator

Features

  • Levels: Two
  • Stories: 2
  • Pool features: In Ground
  • Patio & porch: Deck,Deck-Covered,Patio-Brick Paver,Covered
  • Fencing: Fenced
  • Has view: Yes
  • View description: Country

Lot

  • Lot size: 5.41 Acres
  • Features: Partial Exposure,Wooded,Rural

Parking

  • Total spaces: 3
  • Parking features: Asphalt,Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $5,056$60,672
Home Insurance *$1,298$15,576
Property Taxes $1,900$22,800
Electricity $495$5,941
Total$8,749$104,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$299,965/yr
40% on housing$262,470/yr
45% on housing$233,306/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

$155This listing

vs Other Active Listings

Avg $/sqft

ZIP 61102$87
Winnebago County$120

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
2025-12-19Listed for sale$1,099,000
2025-09-02Listing removed$1,199,000
2025-05-20Price change$1,199,000
2025-02-24Listed for sale$1,250,000
2012-11-16Sold$530,000
2012-09-21Listed for sale$525,000
2005-07-13Sold$55,000

For Sale by Agent

AgentDarin Spades
BrokerageRealty One Group Strategies

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