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510 W Hitt St, Mount Morris, IL, 61054

3beds
3baths
2,100sqft
$235,000
$112price/sqft
$1,982/moest. monthly cost
$79,280/yrincome needed

About This Home

Welcome home to this move in ready 3+ bedroom, 3 bathroom home featuring fresh paint and new carpet throughout! Designed with both comfort and functionality in mind, the open concept floor plan seamlessly connects the kitchen and eat in dining area to the formal dining room, highlighted by vaulted ceilings and a cozy fireplace that are perfect for everyday living and entertaining. The main level offers three spacious bedrooms, including a private primary suite with an en suite bathroom and walk in closet. Convenient main-floor laundry adds to the home's practical appeal. The lower level provides even more living space with a finished bonus room, a full bathroom, and a large family room that's ready for your finishing touches, offering endless possibilities for customization. Step outside to enjoy the fully fenced backyard, ideal for pets, play, or relaxing outdoors. With its fresh updates, flexible living spaces, and inviting layout, this home is ready for you to move right in!

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

6/10
Oregon Elementary SchoolGrades PK-65.7 mi
7/10
Oregon High SchoolGrades 7-125.8 mi

Construction

Condition

  • Year built: 1997

Materials

  • Roof: Shingle
  • Construction materials: Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Sump Pump,Finished

Bedroom2

  • Level: Main
  • Area: 110

Bedroom3

  • Level: Main
  • Area: 100

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main
  • Area: 120

Features

  • L.L. Finished Space,Ceiling-Vaults/Cathedral
  • Finished area below ground: 700
  • Finished area above ground: 1,400

Heating & Cooling

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

Interior Area

  • Total structure area: 2,100
  • Total interior livable area: 2,100 sqft

Kitchen

  • Level: Main
  • Area: 247

Living Room

  • Level: Main
  • Area: 289

Master Bedroom

  • Level: Main
  • Area: 169

Property

Details

  • Parcel number: 0827180017

Features

  • Patio & porch: Deck
  • Fencing: Fenced

Lot

  • Lot size: 10,454 sqft
  • Features: City/Town,Subdivided

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Drought
Ice Storm
Lightning

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 $1,188$14,256
Home Insurance *$279$3,348
Property Taxes $354$4,248
Electricity $161$1,938
Total$1,982$23,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,954/yr
40% on housing$59,460/yr
45% on housing$52,853/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

$112This listing

vs Other Active Listings

Avg $/sqft

ZIP 61054$64
Ogle County$127

vs Homes Sold Last Month

Median $/sqft

ZIP 61054$89
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)

No zestimate history available

Price History

DateEventPrice
2026-08-06Pending sale$235,000
2026-07-11Listed for sale$235,000
2024-09-30Sold$215,000
2024-08-22Pending sale$220,000
2024-08-14Listed for sale$220,000
2024-08-06Pending sale$220,000
2024-07-25Listed for sale$220,000
2022-06-20Listing removed--
2022-06-10Listed for sale$192,500
2022-06-01Pending sale$192,500
2022-05-16Listed for sale$192,500
2014-04-03Listing removed$110,000
2014-03-04Listed for sale$110,000

For Sale by Agent

AgentRebecca Hazzard
BrokerageRe/Max Of Rock Valley

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