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12166 Cunningham Road Winnebago, IL 61088 Residential - Single Family Active

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Description

Located just west of Winnebago, this ranch home on over 5 acres offers a combination of space, access, and usability in a setting that balances rural surroundings with proximity to major routes. The property provides quick access to US-20, making travel to nearby communities straightforward while still offering a quiet setting outside of town. The main level of the home features an open layout with vaulted ceilings that carry through the primary living spaces. The remodeled kitchen serves as a central gathering point with an oversized island that provides seating for daily use, along with space for a more formal dining setup. Quartz countertops, updated appliances, and built-in storage along two walls contribute to both function and organization. The kitchen connects directly to the family room, which includes a wood-burning fireplace and windows that bring in natural light and views of the pond. The home is arranged with separate bedroom wings to allow for flexibility. One side includes the primary bedroom with a walk-in closet and access to a full bathroom with a walk-in shower. An additional bedroom on this side can serve a variety of uses. On the opposite side of the home, another bedroom is located near a second full bathroom, along with a main-level laundry and mudroom area that connects to the attached two-car garage. The lower level adds additional square footage and expands the usability of the home. A secondary kitchen, family room with walkout access, and a large bedroom provide the framework for an in-law setup or extended living space. There is also a half bathroom that has the potential to be expanded into a full bathroom, depending on the buyer's needs. Outdoor features contribute to the overall use of the property. A pond serves as a focal point and is stocked with bass and bluegill. Two aerators are in place to support water quality and fish habitat. Near the pond, there is an enclosed shelter with power located by the dock, providing a space for gatherings or projects. Additional outdoor areas include a firepit, garden space, and open grass ground that may be used for pasture or expanded landscaping. The property also includes an attached two-car garage and a detached shed that offer space for vehicles, tools, and equipment. The combination of indoor and outdoor features allows for a range of uses, whether for full-time living or part-time use. This property is located within the Winnebago School District and offers access to nearby towns, including Winnebago, Rockford, and surrounding

Property Highlights

Property Type: Residential - Single Family
Total Living Area SF: 3,115
Lot Size: 5.43 acres
Garage Size: 2
School District: Winnebago 323
Brick Exterior
Stone Exterior
One Fireplace

General Information

Bedrooms: 4
Bathrooms: 3
Sqft: 3,115
County: Winnebago
Listed By:
Whitetail Properties Real Estate LLC
Rockford Board of Realtors

Room Information

Bedroom 1: 11 X 15 Level - Main
Bedroom 2: 11 X 15 Level - Main
Bedroom 3: 9 X 11 Level - Main
Bedroom 4: 14 X 15 Level - Lower
Kitchen: 12 X 22 Level - Lower
Living Room: 18 X 23 Level - Lower
Family Room: 18 X 22 Level - Main
Bathroom: 4 X 6 Level - Main
Bathroom: 7 X 8 Level - Main
Pond House: 15 X 23
$498,000
Est. $3,259/mo
4beds
3baths
3,115sqft
2cars
Active
BEDS4 BATHS2 full 1 partial SQUARE FEET3,115 MLS#202602734
STATUSActive PROPERTY TYPEResidential - Single Family SCHOOLWinnebago 323

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12166 Cunningham Road, Winnebago, IL 61088.

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Loan Type 30 Year FixedFHA 30 Year Fixed15 Year Fixed
Purchase Price $498,000$498,000$498,000
Down Payment $99,600$17,430$124,500
Monthly Mortgage Amount $2,421$2,971$3,077
Taxes $693$693$693
Insurance $100$100$100
HOA/Dues/Fees $0$0$0
Monthly Mortage Insurance $0$219$0
Monthly Estimated Total $3,259$4,028$3,915

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