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118 S Pine St, Stillman Valley, IL, 61084

1beds
1baths
650sqft
$139,900
$215price/sqft
$1,143/moest. monthly cost
$45,720/yrincome needed

About This Home

Unique opportunity offering incredible flexibility for business or residential use. This charming one bedroom property is currently configured as a salon space and is ideal for a beauty, esthetics, nail, massage, office, boutique or other small business use. The layout could also be converted back into a cozy residence or repurposed for a variety of retail or professional uses. Features include excellent visibility, inviting curb appeal, a functional interior layout adaptable to your needs, plus a one car garage and private driveway for convenient parking and storage. Whether you are an entrepreneur looking for an affordable commercial space or an investor seeking a versatile property with multiple potential uses, this property offers endless possibilities. Buyer to independently verify all information including room sizes, square footage, and property details.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

--
8/10
Meridian Jr High SchoolGrades 6-80.1 mi
9/10

Construction

Condition

  • Year built: 1940

Materials

  • Roof: Shingle
  • Construction materials: Vinyl

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: None,Gas Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 650

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 650
  • Total interior livable area: 650 sqft

Kitchen

  • Level: Main
  • Area: 72

Living Room

  • Level: Main
  • Area: 247

Master Bedroom

  • Level: Main
  • Area: 117

Property

Details

  • Parcel number: 1002477008

Features

  • Patio & porch: Patio

Lot

  • Lot size: 3,920 sqft
  • Features: City/Town

Parking

  • Total spaces: 1
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Hail
Inland Flooding
Strong Wind

FEMA Declared Disasters Across Illinois Counties

Flood
Other
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 $707$8,484
Home Insurance *$95$1,140
Property Taxes $211$2,532
Electricity $130$1,569
Total$1,143$13,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,188/yr
40% on housing$34,290/yr
45% on housing$30,480/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: 15.1%
15.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 61084$163
Ogle County$127

vs Homes Sold Last Month

Median $/sqft

ZIP 61084$189
Ogle County$131

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
2026-05-26Listed for sale$139,900
2025-05-02Sold$90,000
2023-09-22Sold$75,000
2023-08-06Pending sale$85,000
2023-07-14Price change$85,000
2023-06-09Listed for sale$89,000

For Sale by Agent

AgentPatrick Sullivan
BrokerageDickerson & Nieman

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