GAM BINO RE ALTORS
HOME GUIDE
ISSUE FOUR | 2022
C O NT EN T S
4 56
42 59
4
What You Need to Budget For When Buying a Home
6
Residential Single Family Homes
42
YUMMY by Gambino - Strawberries and Cream Bars
53
Residential Condominiums
56
The Time to List Your House is Now!
57
Commercial Real Estate
59
Is it Time to Buy a Smaller Home?
64
Vacant Land
GAMBINO REALTORS HOM E GU I DE
"Rumors Spread Faster Than News and News Spreads Faster Than the Happenings" - Amit Abraham
VOLUME THREE ISSUE FOUR | 2022 Publisher: Gambino Realtors Editor: Kathy Heeren-Ellis Design: Sarah E. Diamond
A recent headline in many mainstream news outlets proclaimed the headline: “Federal Reserve Issues Warning of “Brewing U. S. Housing Bubble” Quite an ominous and troubling headline! Only one problem, if you read the body of the article, it doesn’t support the headline. Here are a few excerpts: The Federal Reserve Bank of Dallas identified signs of a “Brewing U.S. Housing Bubble” in a blog post March 29th. Though the sharp increase in home prices in itself does not indicate a bubble, the report said. Even though the report called the current housing market “abnormal,” the authors concluded that “there is no expectation that fallout from a housing correction would be comparable to the 2007–09” crisis in terms of its magnitude. “Household balance sheets appear in better shape, and excessive borrowing doesn’t appear
to be fueling the housing market boom,” said the report, adding that market participants and regulators are better equipped with tools and early warning detectors to thwart such a crisis. The truth is that there simply is no bubble. Certainly, market dynamics are always changing, and the real estate market may slow down one day, but the likelihood of a bubble that bursts is highly unlikely. Further, American homeowners have seen an unprecedented growth in their home equity. The national average is 54.5% higher than just five years ago. Homeowners today are well insulated against a slowdown in the market. Painful lessons were learned in the recession, and significant reforms were made to ensure that doesn’t happen again.
Photo Editing: Derek Stone The Gambino Home Guide is a presentation of properties for sale in the Northern Illinois region. Since 1923, Gambino Realtors has navigated buyers and sellers through real estate transactions. www.GoGambino.com 3815 N. Mulford Road Rockford, IL 61114 815.282.2222 5330 Williams Drive Roscoe, IL 61073 815.623.3333
Jonathan R. Krause, President Gambino Realtors www.GoGambino.com | 3
WHAT YOU NEED TO BUDGET FOR WHEN BUYING A HOME When it comes to buying a home, it can feel a bit intimidating to know how much you need to save and where to find that information. But you should know, you’re not expected to have all the answers yourself. There are many trusted professionals who can help you understand your finances and what you’ll need to budget for throughout the process. To get you started, here are a few things experts say you should plan for along the way.
1. Down Payment As you set your savings goal for your purchase, your down payment is likely already top of mind. And, like many other people, you may believe you need to set aside 20% of the home’s purchase price for that down payment – but that’s not always the case.
The National Association of Realtors (NAR) says: “One of the biggest misconceptions among housing consumers is what the typical down payment is and what amount is needed to enter homeownership. Having this knowledge is critical to know what to save . . .” The good news is, you may be able to put as little as 3.5% (or even 0%) down in some situations. To understand your options, partner with a trusted professional who can go over the various loan types, down payment assistance programs, and what each one requires.
2. Earnest Money Deposit Another item you may want to plan for is an earnest money deposit. In today’s highly competitive market it can help
4 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
your offer stand out in a bidding war. So, what is it? It’s money you pay as a show of good faith when you make an offer on a house. This deposit works like a credit. You’re using some of the money you already saved for your purchase to show the seller you’re committed and serious about their house. It’s not an added expense, it’s just paying some of that up front. First American explains what it is and how it works: “The deposit made from the buyer to the seller when submitting an offer. This deposit is typically held in trust by a third party and is intended to show the seller you are serious about purchasing their home. Upon closing the money will generally be applied to your down payment or closing costs.” In other words, an earnest money deposit could be the very first check you’ll write toward your purchase. The amount varies by state and situation. Realtor.com elaborates: “The amount you’ll deposit as earnest money will depend on factors such as policies and limitations in your state, the current market, what your real estate agent recommends, and what the seller requires. On average, however, you can expect to hand over 1% to 2% of the total home purchase price.” Work with a real estate advisor to understand any requirements in your local area and what they’ve recommended for other buyers in your market. They’ll help you determine if it’s something that could be a useful option for you.
3. Closing Costs
loan origination fee, title examination and insurance, survey, attorney’s fee, and prepaid items, such as escrow deposits for taxes and insurance.” Basically, your closing costs cover the fees for various people and services involved in your transaction. NAR has this to say about how much to budget for: “A home costs more than just the sale price. For example, closing costs—which make up about 2% to 5% of the home’s purchase price—are a major added expense…Lenders provide a Closing Disclosure at least three business days prior to closing on a mortgage. But buyers will need to budget for these added costs ahead of time to avoid sticker shock days before closing.” The key takeaway is savvy buyers plan ahead for these expenses so they can come into the process prepared. Freddie Mac sums it up like this: “If you’re in the market to buy a home, your down payment is probably top of mind. And rightly so – it’s likely the biggest cost of homebuying. However, it is not the only cost and it’s critical you understand all your expenses before diving in. The more prepared you are for your down payment, closing and other costs, the smoother your homebuying journey will be.” Knowing what to budget for in the homebuying process is essential. To make sure you understand these and any other expenses that may come up, let’s connect so you have reliable expertise on what to expect when you buy a home. Call Gambino Realtors at 815.282.2222.
The next thing to plan for is your closing costs. The Federal Trade Commission (FTC) defines closing costs as: “The upfront fees charged in connection with a mortgage loan transaction. …generally including, but not limited to a www.GoGambino.com | 5
IMMACULATE ABODE 1013 Brandywine Estates Road | Belvidere | 4 BD | 3/1 BA | 5,560 SQ FT | $555,000
THE ENTERTAINER'S DREAM HOME 6 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
This immaculate ranch boasts over 5,500 square feet of living and entertaining space. Nestled on 1.38 acres, this property aims to please with windows galore and manicured grounds. Enjoy the open design with soaring ceilings and hardwoods throughout. Retreat to the relaxing and spacious master suite located on the first floor. There is an office, exercise room, and laundry on the main floor for convenience. The fully exposed lower level offers over 2,000 square feet of space for fun. Entertain in the vast game room, bar, a second high-end kitchen, a professional theater room, and two bedrooms. A bonus – the lower level has in-floor heating throughout. So many amenities come with this grand home, including a five-and-a-half-car garage for all your toys.
Frank Gambino
815.637.0113 fgambino@GoGambino.com
www.GoGambino.com | 7
CUSTOM-BUILT RANCH 7818 Canterbury Ridge Drive | South Beloit | 4 BD | 3/1 BA | 3,893 SQ FT | $475,000
SPACIOUS LAYOUT WITH LARGE YARD 8 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
You won't want to miss this striking, custom-built, fully exposed ranch in the desirable Canterbury Ridge Subdivision. The foyer reveals a beautiful space replete with all the amenities today's buyer is looking for. Open concept floor plan, volume ceilings, spectacular millwork, solid six-panel doors, and abundant windows let in natural light. Quartz and stainless kitchen with center island, tiled backsplash, and an abundance of cabinet space that is fit for a chef. The master suite boasts a private five-piece bath and walk-in closets, while two additional spacious bedrooms share a hall bath. The fully exposed lower level includes a huge family room, home theatre, second kitchen, large bedroom, full bath, and a home gym. Whether from your elevated deck or your lower level patio, you will love watching the seasons change while enjoying long views and the privacy of a 1.67 acre lot with built-in irrigation.
Karl Gasbarra
815.975.4218 karl@GoGambino.com
www.GoGambino.com | 9
Brandy Berg
815.289.0328 bberg@GoGambino.com
Barb Key
815.494.9626 bkey@GoGambino.com
Matt Koch
815.543.7945 mkoch@GoGambino.com 10 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
My daughter made a decision to jump into looking for her first home at an awful time for buyers, but with Brandy it made the experience enjoyable rather than the chaos that I assumed it would be with the current times. She was quick to get us into showings and was able to get answers to our questions and concerns timely. Thank you Brandy, you made this milestone full of happy memories. - Jennifer M.
Barb provided excellent service and was always available to answer any of my questions. This is the second time that she has sold a house for me and both times the sale has went smoothly. Strongly recommend anyone selling their home to have Barb as their agent. - Terry M.
Matt was nothing but excellent. Always prompt and readily available when needed. I would and will recommend Matt to anyone needing a wonderful Realtor! - Kenneth K.
Title Underwriters Agency it’s not a closing it’s an opening to relationships to finding answers to getting solutions Waterside Center 126 North Water Street Rockford, IL 61107 815.964.9800 Mulford Office 1235 North Mulford Road Rockford, IL 61107 815.227.9800 Roscoe Office 4908 Hononegah Road Roscoe, IL 61073 815.623.3400 Belvidere Office 417 South State Street Belvidere, IL 61008 815.544.2222 www.TitleUnderwriters.com
MODERN ELEGANCE 1201 Brown Hills Road | Rockford | 5 BD | 4/2 BA | 8,867 SQ FT | $830,000
HISTORIC ESTATE BOASTING SOPHISTICATION 12 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
This Victorian home with four floors, five bedrooms, four full baths, two half baths, and five fireplaces is an oasis of privacy and modern elegance. Enter this light-filled home through the double glass doors into the great room with beamed ceiling. The chef's kitchen has a commercial hood and cooktop, pot filler, a warming drawer, side by side commercial freezer and fridge, loads of cabinets with pullouts, upper lit glass display cabinets, 10-foot center marbled quartzite island with prep sink and seating, updated quartz counters, and marble backsplash. The master suite is luxurious with a fireplace and ensuite with a soaking tub, heated floors, and stunning closet featuring built-ins. Connect with history in the study on the upper floor, which includes stately bookcases and a soaring wood ceiling with an exposed brick pillar. The lower level consists of a fifth bedroom, full bath, second kitchen, rec room, office, playroom, craft room, and half bath. The mix of modern amenities and preserved history is a dream.
Kathy Heeren-Ellis
815.708.4061 kheerenellis@GoGambino.com
www.GoGambino.com | 13
STYLISH CURB APPEAL 12451 Whispering Winds Drive | Roscoe | 5 BD | 3 BA | 2,912 SQ FT | $350,000
CUSTOM-BUILT WITH FULL EXPOSURE 14 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
This custom-built, one-owner ranch with full exposure is what you have been looking for! Situated on a little over half an acre, the beautifully landscaped yard has an irrigation system, deck, brick paved patio, and a garden ready for the upcoming summer. As soon as you walk in the door, you will feel right at home! Newer carpet and freshly painted in 2019. The open floor plan includes high ceilings, living room with a wood-burning fireplace with gas assist, an eat-in area with enough space for a six-person table, kitchen with beautiful cabinets, and an island with seating for three. The master bedroom is complete with a walk-in closet and bath. The two bedrooms are a great size with large closets and built-ins. The basement boasts newer epoxy floors, wet bar, family room, fullsize bathroom, two bedrooms, and a storage room big enough to store all your extras. This house is one you won't want to miss!
Heather Carter
815.519.2969 hcarter@GoGambino.com
www.GoGambino.com | 15
6 BD | 4/1 BA | 6,422 SQ FT
12538 Leighton Drive | Caledonia
$619,900
This beautiful Boone County estate has an unbelievable value with an incredible setting on a peaceful 1.75 acre lot in the unique Aberdeen Knoll subdivision. You and yours can enjoy the enormous deck and 1,500 square foot patio and fire pit area, with the game room right off the patio, plus the wet bar. This home features and excellent layout for relaxing and entertaining.
16 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
Frank Gambino 815.637.0113 fgambino@GoGambino.com
Residential Single Family
10748 Patterson Road Durand $355,000 3 BD | 2 BA | 1,750 SQ FT
Scot Craig 815.985.8806
1515 E. Montague Road Winnebago $329,900 3 BD | 2 BA | 2,914 SQ FT
Ginny Meyer 815.262.8082
25 Country Club Beach Rockford $285,000 3 BD| 2 BA | 2,220 SQ FT
John Weiland 815.494.6214
www.GoGambino.com | 17
ROOM TO GROW
10155 Kings Court | Roscoe | 4 BD | 3/1 BA | 3,737 SQ FT | $369,000
FINISHED LOWER LEVEL WITH FULL EXPOSURE 18 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
Welcome home to this beautiful four bedroom, three and a half bath ranch. Enjoy delicious home-cooked meals in the custom kitchen complete with granite, stainless steel appliances, and a large butler pantry. The gracious dining room opens up to a gorgeous sunroom with three entire walls of windows letting the light shine in. The laundry is conveniently located on the first floor. The master suite features sliders to a deck where you can enjoy peaceful views. The fully exposed finished lower level offers ample space for games, crafts, exercise room, storage, and so much more. With a three and a half car garage that is insulated and has epoxy floors, you can enjoy your hobbies easily. This wonderful home backs up to Roland Olson Forest Preserve, allowing you to enjoy nature all year.
Andy Harkin
815.299.0492 harkinteam@GoGambino.com
www.GoGambino.com | 19
Residential Single Family
4415 Eaton Drive | Rockford
3 BD |2 FULL BATH | 1 HALF BATH | 2,962 SQ FT
$295,000
Better than new! The key word for this home is new! Completely remodeled kitchen with new cabinets, granite counters, and stainless appliances. Fully remodeled baths with new plumbing and vanities with granite counters. New flooring throughout. New roof, new windows, and new doors. You’ll love the convenience of the first-floor laundry. Entertain in the finished rec room in the basement with a massive fireplace. Home is comprised of mostly brick with a ton of character.
Miguel Lobato
815.231.4129 mlobato@GoGambino.com
20 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
9384 Emerson Parkway | Machesney Park 3 BD | 2 BA | 1,803 SQ FT
$285,000
This builder’s model ranch with a full walkout exposure is like new! It features an open concept, split three-bedroom floor plan, nine-foot ceilings, white trim and doors, and a first-floor laundry room. The kitchen boasts granite countertops, a huge island with seating, stainless appliances, a closet pantry, and sliders to the deck. You'll marvel at the enormous basement with many possibilities, nearly ten-foot ceilings, bathroom roughin, and sliders to the backyard with a newer privacy fence.
Teresa Shreve
815.289.3362 tshreve@GoGambino.com
12135 Caledonia Road Belvidere $695,000 5 BD | 5/2 BA | 3,757 SQ FT With beautiful grounds, a great location, and custom woodwork throughout, this stately manor is sure to please. The long circular drive welcomes you to sit back, relax and settle right in. Enjoy a cup of tea on the gorgeous deck listening to nature’s sounds before you tend to your hobbies - made easier with the spacious attached and detached garages. Inside the home, you will find cathedral ceilings, cove molding, and an extensive amount of customized Through The Eyes of woodwork throughout. Each of the five bedrooms include walk-in closets. The kitchen is complete with lots of room to cook while enjoying the company of family and friends. Nestled on five acres, privacy surrounds you, but you are still close to all the conveniences and amenities one could ask for.
LIFE ON THE FARM
Jim Grindle 815.637.0104
Ginny Meyer
GORGEOUS WOODWORK
SUPERB GROUNDS 4031 Eaton Drive | Rockford | 4 BD | 2/1 BA | 3,419 SQ FT | $329,500
GROUNDS INCLUDE A BASKETBALL COURT 22 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
Enjoy spectacular views from your vaulted four-season sunroom in this superb two-story. This four bedroom home features a formal living and dining room, eat-in kitchen with sliders to the patio, office area, family room with a wood-burning gas starter fireplace, built-in bookshelves, and sliders to the four-season room that includes an abundance of windows. The kitchen has oak cabinets, tile floor, Bosch dishwasher, and granite countertops. There is a laundry chute from the second floor bedroom area to the first-floor laundry. Floor to ceiling windows in the carpeted living room and dining room. The master bath features a whirlpool tub, stepin shower, and both full baths have dual vanities. The lower level includes a huge workshop, entrance to the garage, cedar closet, battery backup sump pump, water softener, dual controlled furnace, and a/c. You'll love spending all seasons in your new home with a fenced backyard, a fourseason room, and a basketball court!
Sandy Basel
815.494.4132 sbasel@GoGambino.com
www.GoGambino.com | 23
EXCELLENT LOCATION 543 Fieldcrest Road | Belvidere | 3 BD | 2/1 BA | 2,964 SQ FT | $285,000
FEEL THE WARMTH IN THE SUNROOM 24 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
You'll love this beautiful two-story home located in an excellent Belvidere neighborhood. This home features over 2,900 square feet and over an acre of land to relax, play or entertain. The layout boasts sixpanel doors, neutral colors, and an ample number of windows to feel the sun's warmth. The formal dining room offers a spacious design. The large sunroom, den, and office area is a great place to enjoy the views of your large yard. The master bedroom features an adjacent loft, creating an ideal office space or reading nook. All bedrooms come complete with huge closets for storage. Many updates within recent years, including appliances, furnace/central air, water softener, reverse osmosis, and roof. The partially finished basement awaits your finishing touches.
Jessica Tabor
815.980.1879 jessicat@GoGambino.com
www.GoGambino.com | 25
Residential Single Family
2516 Glen Eagles Trace Rockford $275,000
The ONLY Local Real Estate Agency With A BBB A+ Rating
4 BD | 4 BA | 3,948 SQ FT
Karl Gasbarra 815.975.4218
12742 Ventura Boulevard Machesney Park $240,000 3 BD | 1/1 BA | 1,990 SQ FT
Keith Ruiz 815.985.0870
5503 W. Stephenson Freeport $230,000 3 BD| 2 BA | 2,016 SQ FT
Vita Locarno 815.637.0705
26 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
TRUSTED. EXCELLENT SERVICE. KNOWLEDGEABLE. THINKING OF SELLING YOUR HOME? CONTACT GAMBINO REALTORS FOR YOUR A+ REAL ESTATE EXPERIENCE!
815.282.2222
1853 Sweetbriar Lane Rockford $208,000 4 BD | 2/1 BA | 2,072 SQ FT You'll love coming home to this 2,000 square foot, two-story home in its desirable neighborhood, a stone's throw from Brookview and walking distance to Edgebrook. The main floor offers a formal living and dining room perfect for holiday entertaining, a spacious eat-in kitchen that opens to the fireplace accented family room with sliders to the exceptional backyard. A recent pergola addition and professional landscaping provide privacy and beauty enjoy Through Theto Eyes of the outdoors. Upstairs features a master suite, three other bedrooms, and a full bath. The full, unfinished basement allows for lots of storage. With a newer roof, windows, siding, and a home warranty, peace of mind and comfort await.
LIFE ON THE FARM
Team Lunde 815.985.9522
Ginny Meyer
LOVELY TWO-STORY
SHAW WOODS DELIGHT 5673 Rainsford Way | Rockford | 4 BD | 3/1 BA | 3,948 SQ FT | $249,900
STYLISH UPDATES THROUGHOUT 28 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
Stunning two-story in the Shaw Woods area with over 3,700 square feet is ready for you to move in and start creating memories today. The spacious layout boasts stylish and modern updates. Enjoy the up-to-date color palette, soft carpet, large tile, and rich wood flooring while working from home in the main floor office. The cozy den boasts large doors to the wood deck, perfect for entertaining family and friends. The master bedroom is large and has an attached bathroom with a walk-in shower. The eat-in kitchen has upgraded appliances, lots of cabinet space, and a bay window, perfect for your dining table. The finished lower level includes a rec room, play area, and a spacious craft room. With so much space to grow and a move-in-ready layout, this home is a perfect match for those who love to entertain and enjoy time at home.
Frank Gambino
815.637.0113 fgambino@GoGambino.com
www.GoGambino.com | 29
Residential Single Family
4 BD | 3 BA | 2,950 SQ FT | $225,000
3 BD | 1/1 BA | 2,262 SQ FT | $220,000
4 BD | 2/1 BA | 2,400 SQ FT | $217,000
1005 N. Canyon Drive | Freeport
6950 Latham Road | Rockford
4672 Chandan Woods Drive | Cherry Valley
Great room with a cathedral ceiling, gas fireplace, and hardwood floors. Kitchen with granite, island, breakfast bar, slider to deck. Master bath has jetted walk-in tub. First floor laundry. Finished lower level walkout.
On 1.84 acres! Eat-in kitchen with updated cabinets and tile floor. Formal living room and dining room. Fourseason room for entertaining. Finished lower level with family room and fireplace. County taxes.
Room for comfort in this spacious two-story. Formal living and dining room. Family room with fireplace. First floor laundry. New two-tiered deck, and above ground pool. Home needs flooring, painting and some work.
Team Zarembski | 815.218.9210
Jay Dowthard | 815.289.7530
Angie Leiva | 815.742.6010
3 BD | 2 BA | 3,150 SQ FT 3 BD | 2 BA | 1,740 SQ FT | $200,000
4 BD | 2 BA | 2,592 SQ FT | $195,000
3 BD | 1/1 BA | 1,466 SQ FT | $190,000
6251 Columbine Boulevard | Rockford
2407 Trillium Trail | Rockford
6786 Rydberg Court | Rockford
Remodeled hickory kitchen with quartz. New flooring, five skylights, den/office off kitchen leads to Florida room with wood stove, and deck. Community well. Lower level laundry hookup. Near CherryVale mall and I-90.
Family room with big stone fireplace. First floor master. Formal living and dining rooms. Three-season sun room with lots of windows, three skylights, rough cedar and fireplace. This home has lots of space for living.
Enjoy the beautiful river views and wildlife. Open floor plan. Large living room. Formal dining room. Kitchen with loads of cabinets and breakfast bar. Lower-level family room with fireplace and walkout. Five car garage.
Jean Campbell | 815.505.8336
Kevin Fisher | 815.494.9595
Angie Leiva | 815.742.6010
30 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
Residential Single Family
4 BD | 2 BA | 1,750 SQ FT | $179,900
3 BD | 3/1 BA | 2,762 SQ FT | $169,900
3 BD | 2 BA | 1,756 SQ FT | $169,651
1308 Fieldcrest Drive | Rockford
2009 Glenview Road | Rockford
5651 Guilford Road | Rockford
Large master suite with a private bath, a jacuzzi tub, and sliding doors to the private deck. Updated kitchen and baths. New flooring throughout. Open kitchen leads to a sunken family room with wood burning fireplace.
This unique, mid-century ranch has lots of potential in a great location. Needs TLC, but the end result could be spectacular! Four fireplaces, brick patio, the master suite is one wing, the other wing is a beautiful great room.
Ranch in Guilford Country Club Estates. Open floor plan. Freshly painted. Lower level framed in. First floor laundry. Formal living and dining rooms. Family room with fireplace and sliders to patio.
Miguel Lobato | 815.231.4129
David Bowers | 815.520.4091
Linda Elliott | 815.988.8954
3 BD | 2 BA | 3,150 SQ FT 3 BD | 2 BA | 1,920 SQ FT | $163,900
3 BD | 1/1 BA | 2,077 SQ FT | $160,000
4 BD | 2 BA | 1,738 SQ FT | $152,900
1220 Main Street | Pecatonica
115 Robert Avenue | Rockford
206 N. Benton Street | Winnebago
Extra clean and very well maintained! Lower level with third bedroom and private bath could be a wonderful guest suite. Great deck off the kitchen for summer relaxing or evenings under the stars.
This charming stone/brick home is move in ready! Has had many updates in recent years and won’t disappoint. The exterior offers a beautiful brick paver patio, perfect for entertaining all while in comfort of the fenced yard.
Located In the heart of Downtown Winnebago. Pillared front porch. Kitchen with dining area. Large living, dining, and family rooms. Four-season room. Main floor bedroom and bath. Upper level with three bedrooms, and bath.
Jon Krause | 815.637.0101
Gonzalo Montoya | 815.540.0003
Ginny Meyer | 815.262.8082 www.GoGambino.com | 31
Residential Single Family
4681 Appell Lane | Cherry Valley 4 BD |3 FULL BA | 1 HALF BA | 3,420 SQ FT
$280,000
Wonderful Penfield Crossing home with so much to appreciate on the three levels of living. The traditional main floor offers a formal living room and dining room. Cozy fireplace accented family room. Spacious eat-in kitchen. First-floor laundry. Upstairs provides a master suite in addition to three more bedrooms and a full bath. The great lower level includes a theater room, bar, and bonus rooms. Great Cherry Valley location near forest preserves, new elementary school, bypass, retail, walking trails, and more.
Team Lunde
815.985.9522 openingdoors@teamlunde.com
32 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
6350 Fieldstone Drive | Rockford 3 BD | 2 BA | 2,190 SQ FT
$234,000
Renovated ranch! This home has an attached four-car garage and a detached two-car garage. The new kitchen and baths boast modern updates. The finished lower level with egress windows and bonus room is ideal for entertaining family and friends. Enjoy the large deck with a gazebo in the beautiful yard. Great location, near Kishwaukee River and easy access to I-90/39/20. Bring your toys and hobbies!
Team Lunde
815.985.9522 openingdoors@teamlunde.com
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815.543.1232
815.871.6787
815.494.4956
815.621.5255
815.979.6470
815.509.4248
815.494.6507
815.218.3268
34 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
Barb Key
Matt Koch
Terri Koester
Jonathan Krause
Angie Leiva
Aimee Leon
Miguel Lobato
Vita Locarno
Team Lunde
Anna Marino
Katie Matherly
Lyle McKinney
815.494.9626
815.543.7945
815.540.8600
815.262.5226
815.742.6010
815.516.7879
815.494.7905
815.742.0825
815.985.9522
815.670.8751
815.218.8151
815.543.2008
Diane Meltmar
Lilia Mendoza
Ginny Meyer
Gonzalo Montoya
Bonnie Moore
Craig Olafson
David Palmer
Connie Paris
Heather Porter
Ruth Premo
Juanita Rinaldo
Keith Ruiz
815.540.3259
815.323.8904
815.262.8082
815.540.0003
815.243.4502
224.229.8258
815.566.2437
815.222.6076
815.988.7443
815.978.5613
815.979.2877
815.985.0870
Luis Sancho
Benjamin Schulz
Jorden Schwartz
Kimberly Schwartz
Luke Schwartz
Mary Shreve
Teresa Shreve
Jayson Shull
Tracy Suyko
John Sweeney
Jackie Tabor
Jessica Tabor
815.494.4536
815.527.2100
815.914.7576
815.977.1919
414.722.9773
815.262.7726
815.289.3362
815.978.6489
815.289.1130
815.262.5769
815.520.6134
815.980.1879
Bobby Tisdale
Vikki Turnmire
Barbara Urycki
Pat Versack
Ashley Vuong
Tracy Wallschlaeger
Mike Weerda
John Weiland
Carol Williams
Dale Williams
Marcia Williams
Melody Williams
815.847.2390
815.608.7229
815.505.2064
815.262.4999
815.980.0197
815.988.5281
815.985.2895
815.494.6214
815.494.7812
815.519.2243
815.298.1098
815.505.9284
Find AN AGENT TODAY At www.GoGambino.com 3815 North Mulford Road Rockford, IL 61114 PH 815.282.2222 5330 Williams Drive Roscoe, IL 61073 PH 815.623.3333 www.GoGambino.com
Stefanie Yarber
Team Zarembski
Brad Zimmerman
815.995.0836
815.218.9210
815.985.2830
www.GoGambino.com | 35
100-YEAR-OLD BEAUTY 2515 Landstrom Road | Rockford | 3 BD | 2/1 BA | 2,094 SQ FT | $199,900
HISTORIC CHARACTER AND CHARM ABOUND 36 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
Beautiful 100-year-old historic home with good bones. Original brick masonry, leaded glass windows (refurbished), and arched mahogany front door welcome you to the many unique rooms throughout. The impressive crown molding, solid wood floors, and stairs create an elegant feel. A large brick and iron fireplace warms the living room. French doors lead to the home office. Formal dining room, family room, and kitchen complete the first floor. Three lovely bedrooms upstairs, including a large master suite. Fenced yard with large garden and shed. Updated electric throughout. Wired for home office with up-to-date internet network system. Fully waterproofed, partially finished lower level including full bathroom ready to be hooked up. Great location with access to 251, Anderson Gardens, Sinnissippi recreation path, Landstrom Park, downtown, and shopping.
Connie Paris
815.222.6076 cparis@GoGambino.com
www.GoGambino.com | 37
2 BD | 2 BA | 1,364 SQ FT
403 N. Hannah Avenue | Mount Morris
$135,000
Spacious, open concept ranch on Sunset Golf Course in Mt. Morris for nature and golf lovers alike. The kitchen is flooded with natural daylight, loads of cabinets, hardwood floors, and a breakfast bar. The family room with a beamed cathedral ceiling leads to the deck with views. Lower level rec room with a decorative fireplace and knotty pine walls perfect for guests, office, or entertaining.
Kathy Heeren-Ellis 815.708.4061 kheerenellis@GoGambino.com
Residential Single Family
438 W. 4th Street Pecatonica $149,900
2406 Barrington Place Rockford $115,000
2 BD | 1/1 BA | 1,617 SQ FT
3 BD | 1 BA | 1,796 SQ FT
Ginny Meyer
Karen Barbagallo
815.262.8082
815.988.5577
1605 Evans Avenue Loves Park $149,900
14896 Clover Lane South Beloit $139,000
3 BD | 1 BA | 2,334 SQ FT
2 BD | 1 BA | 1,584 SQ FT
Terri Koester
Dawn Karns
815.540.8600
815.494.6507
520 E. Pleasant Street Belvidere $139,900
14706 Hunters Way South Beloit $135,000
4 BD | 1/1 BA | 1,600 SQ FT
3 BD | 2 BA | 1,956 SQ FT
Jean Campbell
Carson Breed
815.505.8336
815.871.5131
www.GoGambino.com | 39
PRISTINE AND BRIGHT 2148 Inner Circle Drive | Rockford | 3 BD | 1/1 BA | 1,706 SQ FT | $204,900
MINUTES TO US ROUTE 20 40 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
Welcome to this pristine and bright ranch home that will please even the pickiest of buyers. This home boasts a wide range of desirable attributes, including oak and hickory flooring, six-panel interior doors, Pella windows and patio doors, and a location in the Winnebago School District. Spacious eat-in kitchen with glass front, staggered, hickory cabinets, and solid surface counters opening into the family room with one of two wood-burning fireplaces. Beautifully updated half bath opens from kitchen to the main bedroom. Updated full bath with oversized tile and glass shower. Three-season room with vaulted wood beam ceiling, fireplace, skylights. Attached two and a half car garage with 220 service. Separate heated garage with 220 service, workshop, and insulated 7x9 overhead door. Handy garden shed. Approximately 48x48 chain link area for garden space. Clean, bright unfinished basement ready for your personal touch.
Brenda Baney-Tufly
815.988.3476 bbaney@GoGambino.com
www.GoGambino.com | 41
YUMMY by Gambino
42 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
STRAWBERRIES AND CREAM BARS Presented by Kathy Heeren-Ellis
These bars make me think of summer! When berry season is at its height – make these scrumptious bars! These are a different take on strawberry shortcake, but just as delicious!
INGREDIENTS Crust 1 pouch (1 lb 1.5 oz) sugar cookie mix 1/2 cup butter or margarine, softened 1 egg
Filling 1 cup white vanilla baking chips (6 oz) 1 package (8 oz) cream cheese, softened
Topping 4 cups sliced fresh strawberries 1/2 cup sugar 2 tablespoons cornstarch 1/3 cup water 10 to 12 drops red food color, if desired
INSTRUCTIONS Heat oven to 350°F. Spray bottom only of 15x10x1- or 13x9-inch pan with cooking spray. In large bowl, stir cookie mix, butter and egg until soft dough forms. Press evenly in bottom of pan. Bake 15 to 20 minutes or until light golden brown. Cool completely, about 30 minutes. In small microwavable bowl, microwave baking chips uncovered on High 45 to 60 seconds or until chips are melted and can be stirred smooth. In medium bowl, beat cream cheese with electric mixer on medium speed until smooth. Stir in melted chips until blended. Spread mixture over crust. Refrigerate while making topping. In small bowl, crush 1 cup of the strawberries. In 2-quart saucepan, mix sugar and cornstarch. Stir in crushed strawberries and 1/3 cup water. Cook over medium heat, stirring constantly, until mixture boils and thickens. Stir in food color. Cool 10 minutes. Gently stir in remaining 3 cups strawberries. Spoon topping over filling. Refrigerate 1 hour or until set; serve within 4 hours. Store covered in refrigerator.
ARCHITECTURAL GEM 1810 East State Street | Rockford | 3 BD | 1/2 BA | 2,548 SQ FT | $159,900
ENCLOSED COURTYARD CREATES INTEREST 44 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
This one-of-a-kind home combines impressive architectural details and historic elegance, creating a unique layout. The gorgeous living room and hallway boast barrel ceilings, while the dining room features a cove ceiling. Cozy up by the fireplace with rare Batchelder tile. There are two foyers, one of which displays a four-sided cone ceiling. The office space has leaded glass built-ins. Main floor bath is updated with a splash of modern finishes. Entertain family and friends over a great meal prepared in the kitchen with new stainless stove and hood. There is plenty of space in the kitchen including a Butler’s pantry. The enclosed courtyard creates a unique feel within the layout where you can access many rooms easily. Relish in the updates while enjoying the uniqueness of each room in this beautiful home.
Lyle McKinney
815.543.2008 lmckinney@GoGambino.com
www.GoGambino.com | 45
Residential Single Family
46 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
3043 Rutgers Place Rockford $127,000
1315 James Avenue Rockford $122,500
3 BD | 1/1 BA | 1,630 SQ FT
3 BD | 1/1 BA | 1,649 SQ FT
Heather Porter
Bryan Holder
815.988.7443
815.543.1232
1136 Benton Street Rockford $125,000
2624 19th Street Rockford $120,000
4 BD | 2 BA | 2,098 SQ FT
4 BD | 2/1 BA | 1,968 SQ FT
Stefanie Yarber
Laura Haynes
815.995.0836
815.985.1115
311 E. 10th Street Pecatonica $124,000
313 Coronado Boulevard Loves Park $118,900
3 BD | 2 BA | 1,486 SQ FT
3 BD | 2 BA | 1,380 SQ FT
Karen Barbagallo
Heather Porter
815.988.5577
815.988.7443
2208 Cumberland Street Rockford $115,000 3 BD | 1 BA | 1,432 SQ FT This lovely two-story home is located in the desirable Edgewater neighborhood. Walk into the foyer and the spacious living room with a wood-burning fireplace. Entertain in the formal dining room. Create delicious meals in the inviting kitchen that is light and bright, with many cabinets and a sleek color scheme. Tons of character throughout the home's layout, including built-in bookcases, shelves, and drawers. The large master has two Through Thesizeable Eyes of closets and a charming window seat. Hardwood floors throughout create an updated and clean vibe. This home has lots of storage areas, white trim, and modern paint colors. Great location and ready to move right in!
LIFE ON THE FARM
Mikhaele Howell 815.871.6787
Ginny Meyer
LOVELY TWO-STORY
Residential Single Family
621 Frances Avenue | Loves Park 3 BD | 2 BA | 1,140 SQ FT
$117,500
Nice three bedroom home with over 1,100 square feet. Freshly painted interior and new carpet. Good sized living room plus eating area and family room with vaulted ceiling and skylights. Full bath on the main floor and bath with shower in the lower level. Two rooms in the basement could be finished. Patio in back. Concrete slab ready for a new garage. A new asphalt driveway is being installed. Cute house ready for a new owner! Great location, Harlem schools!
Mikhaele Howell
815.871.6787 mhowell@GoGambino.com
48 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
2206 Wallace Street | Rockford 2 BD | 1 BA | 1,368 SQ FT
$117,500
Fabulous, completely updated 1930's bungalow with all the charm you would expect and more! Fresh neutral paint, refinished hardwood flooring, and a modern kitchen. The master bedroom has a walk-in closet with a washer and dryer. The partially finished walk-up attic is surprisingly spacious with drywall and electrical done. The oversized tandem garage is easily accessible with garage doors on both ends. Large, paved parking space off alley. Enjoy the outdoors from the front three-season porch.
Tracy Suyko
815.289.1130 tsuyko@GoGambino.com
Residential Single Family
3 BD | 1 BA | 1,310 SQ FT | $115,000
3 BD | 1 BA | 1,392 SQ FT | $112,900
3 BD | 1 BA | 1,666 SQ FT | $109,000
128 Rome Avenue | Rockford
2814 Colorado Avenue | Rockford
4020 Seward Avenue | Rockford
Bungalow located in a grand neighborhood from the past. Oak floors. Newer kitchen. Remodeled bath. Balcony off upper bedroom. Fenced yard. Two car garage. Newer windows. Screened front porch. Charming!
Three bedroom, one bath ranch style home with two car garage. Hardwood floors throughout and plenty of living space. Breakfast bar and living room. A sizeable and fully fenced back yard.
1,550+ square feet of finished living space! Attached one car garage. Hardwoods throughout! Fireplace in living room. Eat-in kitchen with white cabinets and granite counters. Partially finished lower level. Fenced Yard.
Terri Koester | 815.540.8600
Heather Carter | 815.519.2969
Cheryl Jacobs | 815.494.4956
3 BD | 1 BA | 1,240 SQ FT | $107,500
3 BD | 1 BA | 1,538 SQ FT | $99,908
54 Marquette Road | Machesney Park
709 E. Marshall Street | Belvidere
2908 Greendale Drive | Rockford
Ready to move into with many updates including the roof, kitchen, bath flooring. Convenient to dining and shopping. Attached garage and shed with a concrete floor in the back yard for extra storage.
Wheelchair accessible. Sunken family room with gas fireplace. Screened back porch. Eat-in kitchen. Nice basement. Carport and garden shed. All bedrooms have built-ins unique to each room.
You’ll love the newly remodeled bath with a walk-in shower. Living room with new carpeting and custom window. Large rec room and beauty shop in lower level. New vinyl sided garage and new cement patio.
Team Lunde | 815.985.9522
Heather Carter | 815.519.2969
Linda Elliott | 815.988.8954
3 BD | 2 BA | 3,150 SQ FT 3 BD | 1 BA | 1,052 SQ FT | $107,500
www.GoGambino.com |49
Residential Single Family
302 Main Street Pecatonica $95,000 3 BD | 1/2 BA | 1,186 SQ FT
Mike Weerda 815.985.2895
1025 Maple Avenue Machesney Park $94,900 2 BD| 1 BA | 917 SQ FT
Tracy Wallschlaeger 815.988.5281
4321 N. Cockrell Road Freeport $87,900 3 BD | 1 BA | 2,109 SQ FT
Bryan Holder 815.543.1232
50 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
Residential Single Family
$89,900 2 BD | 1 BA | 753 SQ FT
$89,900 1 BD | 1/1 BA | 1,523 SQ FT
$89,900 3 BD | 1 BA | 935 SQ FT
$89,000 3 BD | 1 BA | 1,680 SQ FT
$79,500 3 BD | 1 BA | 1,050 SQ FT
1303 Catalina Road | Machesney Park
1619 Eastmoreland Avenue | Rockford
134 Wilson Avenue | Machesney Park
2958 Lapey Street | Rockford
1111 19th Street | Rockford
Teresa Shreve | 815.289.3362
Angie Leiva | 815.742.6010
Judy Clossey | 815.623.4007
Laura Haynes | 815.985.1115
Heather Porter | 815.988.7443
$79,000 2 BD | 1 BA | 561 SQ FT
$72,000 3 BD | 1 BA | 1,075 SQ FT
7716 Elm Avenue #1 | Machesney Park
1719 14th Street | Rockford
John Weiland | 815.494.6214
Jean Campbell | 815.505.8336
Not Just an Inspection, But an Education Buyer’s Home Inspections | Pre-Listing, Seller’s Inspections | New Construction Inspections New Construction Phase Inspections | 11 Month Builder’s Warranty Inspections $70,000 2 BD | 1 BA | 1,132 SQ FT
$68,888 3 BD | 2 BA | 1,394 SQ FT
1612 Virginia Avenue | Rockford
5463 Ebony Wood Lane | Roscoe
Miguel Lobato | 815.231.4129
Scot Craig | 815.985.8806
For Same Day Inspection Results, Call or Text Seven Days A Week Scott Howell, Certified Home Inspector, License 450003869 779.770.7667 | homeshield815@gmail.com | homeshieldinspections.net www.GoGambino.com | 51
Residential Single Family
$68,000 3 BD | 1/1 BA | 1,490 SQ FT
$65,000 2 BD | 1/1 BA | 1,120 SQ FT
$60,000 3 BD | 1 BA | 1,288 SQ FT
$59,900 4 BD | 2 BA | 1,410 SQ FT
$59,900 6 BD | 2 BA | 2,180 SQ FT
2120 Shelley Drive | Rockford
1127 22nd Avenue | Rockford
404 Albert Avenue | Rockford
1329 6th Street | Rockford
1807 School Street | Rockford
Barb Urycki | 815.505.2064
Laura Haynes | 815.985.1115
Jean Campbell | 815.505.8336
Jean Campbell | 815.505.8336
Heather Carter | 815.519.2969
$59,900 3 BD | 1 BA | 1,223 SQ FT
$55,000 4 BD | 1 BA | 1,175 SQ FT
8224 Ravere Street | Machesney Park
140 Vincent Avenue | Rockford
Matt Koch | 815.543.7945
John Sweeney | 815.262.6769
$52,000 3 BD | 1 BA | 1,312 SQ FT
$49,500 3 BD | 2 BA | 1,421 SQ FT
924 Otto Road | Machesney Park
604 N. Avon Street | Rockford
Jean Campbell | 815.505.8336
Team Zarembski | 815.218.9210
52 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
Residential Condominium
Condo | 3 BD | 3 BA | 2,260 SQ FT
4908 Preservation Pointe Drive | Loves Park
$199,999
Relish in the condo community lifestyle, but in a stand-alone, single unit, ranch-style condo that is move-in ready. Snuggle up by the gas fireplace in the expansive great room while watching a good movie. The lower level is professionally finished and includes a family room, den, or possible bedroom with French doors, bathroom, and partial exposure. This condo is a must see!
Angie Leiva 815.742.6010 aleiva@GoGambino.com www.GoGambino.com | 53
Residential Condominium
54 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
6622 North Point Road Rockford $169,900
7640 Creek Bend Rockford $120,000
2 BD | 2 BA | 1,735 SQ FT
2 BD | 2 BA | 1,168 SQ FT
Terri Koester
Ginny Meyer
815.540.8600
815.262.8082
4528 Hilltop Drive Loves Park $129,900
2929 Sunnyside Drive #231B Rockford $93,500
2 BD | 1/1 BA | 1,288 SQ FT
2 BD | 2 BA | 1,118 SQ FT
Team Lunde
Rose Gagnon
815.985.9522
815.637.0117
315 E. 6th Street Pecatonica $122,900
3120 Jacqueline Drive Rockford $50,000
3 BD | 2 BA | 1,868 SQ FT
3 BD | 2 BA | 1,100 SQ FT
Ginny Meyer
Miguel Lobato
815.262.8082
815.231.4129
Trust. Certainty. Reliability.
That’s what you can expect from us! • Online Mortgage Application
• Mortgage Refinancing
• First-time Homebuyer Programs
• FHA and VA Loans
• Local Mortgage Servicing
• USDA Home Loans
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Warren Swanberg
Rob Grindle 3815 N. Mulford Rd. Rockford, IL
2475 N. Perryville Rd. Rockford, IL
815.229.3223
815.979.7180
NMLS#462766
NMLS#1502042
Jared Fewell
Julia Fiorucci
9609 Forest Hills Rd. Machesney Park, IL
9609 Forest Hills Rd. Machesney Park, IL
815.877.2303
815.986.7150
NMLS#476484
NMLS#576995
Tammy Zurfluh
Kristi Amenda
Rachel Oracki
Kelly Pospischil
5506 Clayton Circle Roscoe, IL
3101 11th Street Rockford, IL
2141 N. State St. Belvidere, IL
SVP Mortgage Lending 2141 N. State St., Belvidere, IL
815.986.7168
815.544.4857
815.986.7131
815.986.7108
NMLS#136999
NMLS#1692682
NMLS #1369315
NMLS#476483
Victoria France
Sara Reque
2200 Cranston Rd. Beloit, WI
2525 Milton Ave. Janesville, WI
608.299.3416
608.856.5503
NMLS#1896305
NMLS#1260839
THE choice for superior Mortgage Service. MEMBER FDIC
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blackhawkbank.com l 800.209.2616 Apply online @ https://blackhawkbank.mymortgage-online.com
THE TIME TO LIST YOUR HOUSE IS NOW!
Are you thinking about selling your house? If so, you may want to make it a priority to start the process soon. If you’ve been putting your move on the back burner waiting for the ideal time to sell, you should know your golden window of opportunity is coming up. If you’re able to get your house ready quickly, here’s what you can expect:
1. You Should See More Buyer Activity We can expect higher buyer demand based on what’s happened in previous years. This could result in increased competition among buyers and ultimately a bidding war over your house. And since mortgage rates recently ticked up over 4%, chances are good that analysis is right. When rates rise, experts say buyers often hurry to make their purchase before rates climb higher. As Nadia Evangelou, Senior Economist and Director of Forecasting at the National Association of Realtors (NAR), says: “. . . Buyers are rushing to lock in lower rates as the outlook is for even higher mortgage rates in the following months.”
2. Your House Is Expected To Sell Quickly Additionally, houses sell even faster during this time of year, likely due to the heightened buyer demand. If you work with a trusted real estate professional to price your house right, it should sell quickly. And when homes are already selling in just 18 days according to NAR, that could set you up for a big win.
3. Your House Will Be in the Spotlight Since the beginning of the year, the number of homes available for sale has been at or near record lows. According to a realtor.com study, the typical trend for this year is that there will be even fewer sellers on the market. If you list when inventory is low, your house will be the center of attention for eager buyers craving options.
Ready to get the ball rolling? Let’s connect and schedule a time to go over your next steps. In the meantime, make a checklist of things you need to tackle to get your house ready. When we talk, we can prioritize your to-do list and get you on the road to selling your house. Call Gambino Realtors at 815.282.2222.
56 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
OPPORTUNITY
COMMERCIAL REAL ESTATE
COMMERCIAL | OFFICE | LEASE
6870 Rote Road | Rockford
$12-14 Per Square Foot/Annual
Promote your business professionally within this Class A multi-tenant building located in Rockford's prime office corridor with easy access to E. Riverside Blvd., E. State St., I-90, shopping, hotels, and restaurants. The building's upscale lobby boasting custom art, vaulted ceilings, and minimal lines welcomes your customers to your new beautifully finished, turn-key space. You can elevate your branding and corporate image with ample parking spaces available, prime visibility from Perryville Road, and monument signage. 58 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
Jennifer Berry 815.871.6156 jberry@GoGambino.com
IS IT TIME TO BUY A SMALLER HOME?
L
ife events can have a major impact on what you need from your home, and retirement is one of the biggest changes many of us face. This period of your life can mean doing more of the things you enjoy, like traveling, visiting with loved ones, or taking on new hobbies. But what does that mean for your home?
If you’re looking for ways to focus more on the important things in your life, the answer could be downsizing. A recent article from The Balance talks about why it could be a great option, saying: “There are many reasons to buy a smaller home—or to downsize from your present home—but sometimes, the idea that “less is more” is what propels homeowners to buy a smaller home.” You Can Find the Right Home for Your Needs The 2022 Home Buyers and Sellers Generational Trends from the National Association of Realtors (NAR) provides more information on why people of retirement age choose to move. It shows the need for a smaller home, the desire to be closer to loved ones, and retirement itself as three of the top reasons homebuyers over the age of 55 make a move. If you’re in this group, changing priorities may be top of mind for you today, and that could be driving your decision to downsize. After all, as your lifestyle changes, what you need in your home likely changes, too. Plus, as The Balance notes, moving into a smaller home can open your schedule up even more. When you downsize, you can spend less time maintaining your home and more time with the people you love or exploring newfound hobbies. That’s a recipe that can lead to less stress and increased happiness.
Your Equity Can Make a Big Impact When You Downsize Home equity plays a big role when you sell your existing house and move. It could be a great tool to use to help you downsize. According to the latest Homeowner Equity Insights report from CoreLogic, the average homeowner gained about $55,300 in equity over the past 12 months. Dr. Frank Nothaft, Chief Economist at CoreLogic, explains how important price appreciation and equity gains are for existing homeowners: “Home prices rose 18% during 2021 in the CoreLogic Home Price Index, the largest annual gain recorded in its 45-year history, generating a big increase in home equity wealth, . . . For low- and moderate-income homeowners, home equity has historically been a major source of wealth.” As home prices rise, your equity does, too. So, you may have more equity than you realize because of the record levels of home price appreciation over the past year. Those equity gains could allow you to make a larger down payment on your next home. And putting more money down can lead to a smaller monthly mortgage payment, which can give you greater financial freedom. It can also be a significant help in navigating today’s competitive housing market, since offering more money up front could help your offer stand out. Whatever your homeownership goals are, a trusted real estate advisor can help you to find the best option for your situation. They’ll help you sell your current home and guide you as you buy your next one and enter this new phase of life. If you’ve recently retired or plan to soon, your needs are likely changing. That means now may be the perfect time to downsize. Let’s connect so we can work together to find a home that matches your situation. Call Gambino Realtors at 815.282.2222. www.GoGambino.com | 59
Commercial
COMMERCIAL $1,299,000 | 48,600 SQ FT
RETAIL - COMMERCIAL $699,900 | 36,744 SQ FT
RETAIL - COMMERCIAL $495,000 | 10,966 SQ FT
RETAIL - COMMERCIAL $429,900 | 5,384 SQ FT
RETAIL - COMMERCIAL $329,900 | 9,028 SQ FT
222 N. Water Street | Rockford
411 Mulberry Street | Rockford
11700 N. 2nd Street | Machesney Park
1244 E. State Street | Rockford
504 N. Stanton Street | Davis
Brad Benedict | 815.988.4286
Brad Benedict | 815.988.4286
Team Lunde | 815.985.9522
Brad Benedict | 815.988.4286
Brad Benedict | 815.988.4286
Need a thorough home inspection?
WE RETAIL - COMMERCIAL $295,000 | 3,260 SQ FT
OFFICE FOR SALE $275,000 | 14,688 SQ FT
4626 E. State Street | Rockford
4040 Charles Street | Rockford
Brad Benedict | 815.988.4286
Jay Dowthard | 815.289.7530
30 Years of Trust , KNowledge and Experience
Help you understand basic maintenance on your home Help you prioritize repairs and maintenance Computerized reports with detailed pictures SENTRILOCK access to properties Member of Rockford Area Realtors Member of International Association of Certified Home Inspectors Insured Guaranteed Completed Report in 24 hours
OFFICE FOR SALE $180,000 | 4,528 SQ FT
OFFICE FOR SALE $140,000 | 912 SQ FT
831 N. Church Street | Rockford
920 N. Mulford Road | Rockford
Laura Haynes | 815.985.1115
Tracy Wallschlaeger | 815.988.5281
60 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
PUT YEARS OF EXPERIENCE TO WORK FOR YOU!
Trevor Karns - Owner|Certified Home Inspector 815.494.4189 | kinduetinspect@gmail.com | kinduet.com
Commercial
OFFICE FOR SALE $120,000 | 1,480 SQ FT
OFFICE FOR SALE $95,000 | 775 SQ FT
RETAIL FOR LEASE $NEGOTIABLE | 10,232 SQ FT
OFFICE FOR LEASE $12-$14/ANNUAL SF + CAMITS
RETAIL FOR LEASE $10-$12/ANNUAL SF + CAMITS
1708 W. State Street | Rockford
208 E. Riverside Boulevard | Loves Park
4846 E. State Street | Rockford
6870 Rote Road | Rockford
1605 N. Alpine Road | Rockford
Laura Haynes | 815.985.1115
Pat Bellinghiere | 815.871.1745
Jennifer Berry | 815.871.6156
Jennifer Berry | 815.871.6156
Jennifer Berry | 815.871.6156
WE SERVE THE WISCONSIN AREA TOO! Call One of Our Wisconsin Agents for your Rock and Green County Real Estate Needs 815.282.2222 | www.GoGambino.com
OFFICE FOR LEASE $10-$12/ANNUAL SF + CAMITS
OFFICE FOR LEASE $8.95/ANNUAL SF | 810 SQ FT
1639 N. Alpine Road | Rockford
3815 N. Mulford Road | Rockford
Jennifer Berry | 815.871.6156
Jon Krause | 815.637.0101
LAND FOR SALE $1,137,841 | 27.50 ACRES
LAND FOR SALE $699,000 | 30.20 ACRES
805 S. Elida Street | Winnebago
9XX Lyford Road | Rockford
Team Lunde | 815.985.9522
David Palmer | 815.566.2437
Pat Bellinghiere: 815.871.1745 | Donya Bundy: 608.295.5181 Judy Clossey :608.290.1924 | Karl Gasbarra: 815.975.4218 Bryan Holder: 815.543.1232 | Mike Lunde: 815.985.9522 www.GoGambino.com | 61
Commercial
LAND FOR SALE $160,000 | 1.57 ACRES
LAND FOR SALE $127,900 | 15.85 ACRES
LAND FOR SALE $79,000 | 3.75 ACRES
LAND FOR SALE $32,000 | 0.37 ACRES
LAND FOR SALE $29,900 | 0.57 ACRES
000 N. Main Street | Rockford
XXXX Willowbrook Road | Roscoe
XXXX Latham Road | Rockford
XXXX Hartman Street | Rockford
1041 Elm Street | Rockford
Luke Schwartz | 414.722.9773
David Palmer | 815.566.2437
Team Lunde | 815.985.9522
Scot Craig | 815.985.8806
Laura Haynes | 815.985.1115
MULTI-FAMILY HOME $315,000 | 4,656 SQ FT
MULTI-FAMILY HOME $229,900 | 2,404 SQ FT
MULTI-FAMILY HOME $209,900 | 2,301 SQ FT
MULTI-FAMILY HOME $199,900 | 1,638 SQ FT
MULTI-FAMILY HOME $189,900 | 1,694 SQ FT
5894 Windsor Road | Loves Park
3420 Rural Street | Rockford
628 Fairview Boulevard | Rockford
3505 Rural Street | Rockford
706 Fairview Boulevard | Rockford
Jill Jarek | 815.621.5255
Jon Krause | 815.637.0101
Jon Krause | 815.637.0101
Jon Krause | 815.637.0101
Jon Krause | 815.637.0101
MULTI-FAMILY HOME $169,900 | 1,422 SQ FT
MULTI-FAMILY HOME $148,900 | 1,364 SQ FT
MULTI-FAMILY HOME $125,000 | 2,838 SQ FT
MULTI-FAMILY HOME $89,900 | 2,282 SQ FT
MULTI-FAMILY HOME $69,900 | 2,088 SQ FT
1628 Oakes Avenue | Rockford
213 Rose Avenue | Loves Park
1222 Auburn Court | Rockford
1022 Woodlawn Avenue | Rockford
1219 Parmele Street | Rockford
Jon Krause | 815.637.0101
Laura Haynes | 815.985.1115
Heather Carter | 815.519.2969
Gonzalo Montoya | 815.540.0003
Jean Campbell | 815.505.8336
62 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
BUILDING DREAMS SINCE 1973
FLOOR PLANS
NEW BUILDS
FREE ESTIMATE
100 YEARS
We have a variety of ranch
We handle every step in
We know your home is an
With over 100 years
home plans as well as
the process of a new build.
investment. That’s why we
combined experience, we
Two-story models. Looking
You can rest assured your
offer free estimates. You
continue to strive for
for custom? We can do
new home will be built
can trust our years of
excellence in every aspect
that too.
right.
experience.
within the field.
REACH OUT AND START THE PROCESS WITH US TODAY 1515 Elmwood Road Rockford, IL 61103 | 815.633.7619 | threehammer.com
Vacant Land
64 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
15XXX Center Road Durand $389,900
7795 Weldon Woods Close Rockford $89,900
55.00 ACRES
4.42 ACRES
Frank Gambino
Mike Weerda
815.637.0113
815.985.2895
1272 Summerland Key Rockford $101,250
1752 Summerwood Lane Belvidere $79,900
0.71 ACRES
1.99 ACRES
Mikhaele Howell
Brenda Tufly
815.871.6787
815.988.3476
1261 Summerland Key Rockford $98,750
6613 Key Largo Drive Rockford $75,600
0.35 ACRES
0.42 ACRES
Mikhaele Howell
Mikhaele Howell
815.871.6787
815.871.6787
Vacant Land
0.57 ACRES | $75,600
0.89 ACRES | $75,000
1.77 ACRES | $59,900
0.34 ACRES | $44,900
0.40 ACRES | $40,000
6693 Key Largo Drive | Rockford
2917 N. Main Street | Rockford
7952 Weldon Woods Close | Rockford
1297 Key West Drive | Rockford
2XX River Lane | Loves Park
Mikhaele Howell | 815.871.6787
Team Lunde | 815.985.9522
Mike Weerda | 815.985.2895
Mikhaele Howell | 815.871.6787
Mark Fiorello | 815.670.4129
0.82 ACRES | $35,000
0.28 ACRES | $34,900
119 Boeing Trail | Poplar Grove
3XX E. Pershing Road | Stillman Valley
Mike Weerda | 815.985.2895
David Bowers | 815.520.4091
0.28 ACRES | $34,900
0.29 ACRES | $33,900
3XX E. Pershing Road | Stillman Valley
1248 Summerland Key | Rockford
David Bowers | 815.520.4091
Mikhaele Howell | 815.871.6787
www.GoGambino.com | 65
Vacant Land
0.34 ACRES | $30,890
0.56 ACRES | $29,900
0.47 ACRES | $29,900
0.49 ACRES | $24,900
0.56 ACRES | $24,900
1375 Conch Key | Rockford
1489 Castlehill Drive | Rockford
8211 Woodhaven Lane | Rockford
1384 Castlehill Drive | Rockford
1387 Castlehill Drive | Rockford
Mikhaele Howell | 815.871.6787
Brad Zimmerman | 815.985.2830
Brad Zimmerman | 815.985.2830
Brad Zimmerman | 815.985.2830
Brad Zimmerman | 815.985.2830
0.75 ACRES | $17,900
0.58 ACRES | $12,000
7XX Homestead Lane | Rockford
2XX Delightful Drive | Rockford
Mike Weerda | 815.985.2895
Jay Dowthard | 815.289.7530
RADON IS A NATURAL GAS THAT IS: ODORLESS
COLORLESS
THE SECOND LEADING CAUSE OF LUNG CANCER
PROTECT YOUR FAMILY - TEST FOR RADON BEFORE YOU BUY 0.18 ACRES | $10,000
0.19 ACRES | $7,000
1750 Meadowlark Lane | Rockford
147 Flintridge Drive | Rockford
Barb Key | 815.494.9626
John Weiland | 815.494.6214
66 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
Servicing Rockford and The Surrounding Areas Radman Radon Testing Nick Huftalin | 815.721.4610 | radmanradon@gmail.com
SPRING Clean Up Leaves and Trash in Grass Pressure Wash Driveway, Porches, Sidewalks Pull Weeds in Garden Beds Add/Replace Soil Mulch Re-seed/Fertilize Grass Prune Dead Branches from Trees and Bushes Clean Garden Tools and Tune Up as Needed
A Sampling of a Few of Our March 2022 Sold Transactions
2
3
1
5
4
68 | GRHG | VOLUME THREE | ISSUE FOUR | 2022
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6
8
9
11
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14
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1. 11326 Telegraph Road $499,900 2. 1953 Harlem Boulevard $435,000 3. 2249 Edgebrook Drive $240,000 4. 630 Reed Street $207,500 5. 3842 Scarlet Oak Drive $189,950 6. 410 Douglas Street $180,000 7. 1535 Arnold Avenue $172,250 8. 309 N. Bridge Street $169,900 9. 10045 Asbury Lane $160,000 10. 8802 Polaris Drive $159,900 11. 5592 Knollwood Road $157,500 12. 4515 Simpson Road $155,000 13. 403 Emerson Drive $152,000 14. 1137 West 4th Street $150,000 15. 8509 Mildred Road $143,000 www.GoGambino.com | 69
YOUR CAREER STARTS HERE
MENTORING & GUIDING REALTORS SINCE 1923
TAKE YOUR First Step - Schedule a visit today Heather Porter | V.P. & General Manager | 815.316.4048 | hporter@GoGambino.com ADDITIONAL RESOURCES CAN BE FOUND AT WWW.GOGAMBINO.COM/CAREERS.HTML
