11538 Cross Creek Estates Ln, Belvidere, IL, 61008
About This Home
Luxury Country Living on 2 Beautiful Acres- Exceptional Quality Inside & Out - Welcome to a truly special home where timeless craftsmanship meets peaceful country living. Situated on approximately two beautifully maintained acres, this spacious 4-bedroom, 31/2-bath home offers approximately 3200 square feet (above grade) of finished living space, including a beautifully finished lower level (1500 sq ft) designed for entertaining, relaxing, or accommodating guests. The lower level features a partial exposure with large windows creating a bright, airy living space. From the moment you arrive, you'll appreciate the pride of ownership that is evident throughout. Inside, hardwood floors create warmth and elegance across the main living areas, while large windows fill the home with natural light and showcase beautiful views of the surrounding property. The heart of the home features a spacious kitchen with quartz countertops, a center island, abundant maple cabinetry, and generous workspace that flows seamlessly into the dining and living areas. Just off the kitchen, you will find the main-floor laundry room with additional storage. The inviting primary suite offers a cozy fireplace, an ensuite bath designed for comfort, and an oversized walk-in closet with abundant storage. The finished lower level expands your living space with room for recreation, entertaining, or hobbies. Whether hosting family gatherings or enjoying quiet evenings, this home offers flexibility for every lifestyle. This area features a spacious 23'x13' flex room with an adjacent full bathroom making it ideal for a 5th bedroom, a guest room, multigenerational living, a private teen retreat or home office. Outside, the property truly shines. Relax on the expansive deck overlooking the private backyard, enjoy the open green space, and take advantage of the extra large storage shed for lawn equipment and outdoor toys. A three-car attached garage provides ample room for vehicles and storage.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2004
Materials
- Foundation: Concrete Perimeter
- Roof: Asphalt
- Construction materials: Vinyl Siding,Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range,Microwave,Dishwasher,Refrigerator,Disposal,Stainless Steel Appliance(s),Humidifier
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Finished,Full
Bedroom2
- Features: Flooring (Carpet),Window Treatments (Curtains/Drapes)
- Level: Second
- Area: 154
- Dimensions: 14X11
Bedroom3
- Features: Flooring (Carpet),Window Treatments (Blinds)
- Level: Second
- Area: 130
- Dimensions: 13X10
Bedroom4
- Features: Flooring (Carpet),Window Treatments (Blinds)
- Level: Second
- Area: 143
- Dimensions: 13X11
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Dining Room
- Features: Flooring (Hardwood),Window Treatments (Curtains/Drapes)
- Level: Main
- Area: 154
- Dimensions: 14X11
Family Room
- Features: Flooring (Hardwood),Window Treatments (Blinds)
- Level: Main
- Area: 360
- Dimensions: 20X18
Features
- Vaulted Ceiling(s)
- Flooring: Hardwood
- Number of fireplaces: 2
- Fireplace features: Gas Log,Family Room,Master Bedroom
- Fireplace: Yes
- Attic: Unfinished
Heating & Cooling
- Heating features: Natural Gas,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 0
- Total interior livable area: 3,198 sqft
Kitchen
- Features: Kitchen (Eating Area-Table Space,Island,Pantry-Walk-in),Flooring (Ceramic Tile),Window Treatments (Curtains/Drapes)
- Level: Main
- Area: 315
- Dimensions: 21X15
Laundry
- Features: Flooring (Ceramic Tile),Window Treatments (Blinds)
- Level: Main
- Area: 80
- Dimensions: 8X10
Living Room
- Features: Flooring (Hardwood),Window Treatments (Curtains/Drapes)
- Level: Main
- Area: 143
- Dimensions: 13X11
Master Bedroom
- Features: Flooring (Carpet),Window Treatments (Curtains/Drapes),Bathroom (Full)
- Level: Second
- Area: 252
- Dimensions: 18X14
Office
- Features: Flooring (Hardwood),Window Treatments (Blinds)
- Level: Main
- Area: 120
- Dimensions: 12X10
Other
- Features: Flooring (Carpet),Window Treatments (Blinds)
- Level: Basement
- Area: 299
- Dimensions: 23X13
Walk In Closet
- Features: Flooring (Carpet)
- Level: Second
- Area: 132
- Dimensions: 12X11
Property
Accessibility
- Accessibility features: No Disability Access
Details
- Parcel number: 0503428002
- Special condition: None
- Other equipment: Water-Softener Owned,Ceiling Fan(s),Sump Pump
Features
- Stories: 2
- Patio & porch: Deck
Lot
- Lot size: 1.90 Acres
Parking
- Total spaces: 3
- Parking features: Asphalt,Yes,Garage Owned,Attached,Garage
- 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
- Hail
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,413 | $40,956 |
| Home Insurance * | $453 | $5,436 |
| Property Taxes | $1,119 | $13,428 |
| Electricity | $245 | $2,951 |
| Total | $5,230 | $62,760 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-29 | Listed for sale | $675,000 |
| 2004-09-10 | Sold | $360,000 |
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