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105 S Bluff St , Albany, IL 61230
$207,900
Est. Payment: $1,115.48/mo
3 Bed
3 Bath
1958 Sqft
Status: contingent | Days on site: 238
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108066 - 1081774,1081671
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House Description

Room to grow, space to breathe, and upgrades that make everyday life easier, this 3-bedroom, 2.5-bath single-family home is built for the next chapter. From the kitchen addition and classic built-ins to a sun room that doubles beautifully as a large home office, every corner is designed to give a growing household more flexibility, comfort, and places to land. Inside, you will find a true dining room with built-in cabinets, a butler pantry, a cedar food pantry, and solid oak doors throughout. The kitchen addition creates the kind of flow that works for busy mornings and relaxed evenings, and all appliances stay, including a Speed Queen washer and dryer. Bathrooms are thoughtfully updated with a jet tub and a new shower, while dual on-demand hot water heaters keep hot water ready when you need it, including a recirculation line that helps deliver hot water right at the faucet. Big-ticket improvements add peace of mind, too: a 4-year-old AC condenser, new 200 amp service, top of chimney tuck pointed 2022, and a power-vented attic. Outside, enjoy a generous 0.45-acre setting with practical extras that make a difference. A breezeway connects the home to a true 24 x 24 two-car garage, complete with new door openers and a metal fire door for an added layer of protection. The garage exterior and interior were just painted in 2024, and the home also features a new roof, gutters, downspouts, soffit, and aluminum trim completed by Boss Roofing. Need storage and space for hobbies? You have a shed (approximately 12 x 14) on a cement slab for all the outdoor activites. For added flexibility, the basement includes a gas washer and dryer hookup. When you want to get outside without going far, the river is just 2 block away, and a park is 4 blocks away, perfect for fresh air, quick play breaks, or a peaceful reset. For weekend plans and day trips, the Quad Cities is about 30 minutes away and Galena is an hour away. If you have been waiting for a home with space, smart upgrades, and the kind of character you cannot replicate, schedule your showing and see how effortlessly this one fits real life. Water line in basement north side will be fixed before close of property. Motivated Seller

Highlights

Listed by Kathleen Suehl , 815-243-8780 Windmill Real Estate , 815-589-9191. Midwest Real Estate Data mls logo

Property Type

Residential

Year Built

1934

County

Whiteside

Area

Albany

School District

2

Listing ID

12577801

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Ceiling Fan(s)
Air Cond:Central Air
Fireplaces:Wood Burning
Floor:Hardwood,Carpet
Basement:Unfinished,Full
Other:
  • ▪ Additional:1st Floor Full Bath, Bookcases, Pantry
Water:Public

Exterior Features

Lot Dimensions:100x135
Garage Capacity:8
Sewer:Public Sewer
Parking Features:Yes,Attached,Garage
Principal Interest
$1,115
Taxes
$358

Home Price

$207,900

Loan Details

30 yrs
7.08%

Down Payment

20%
$41,580
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$1,115.48

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,115.48 $357.92 $0.00 $1,473.40
Yearly $13,385.78 $4,295.00 $0.00 $17,680.78
Total $401,573.33 $128,850.00 $0.00 $530,423.33
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Master Chief
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Market insight data is pulled from the same city as the listing being viewed (Albany, IL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information submitted to the MRED as of the date listed below. All data is obtained from various sources and has not been, and will not be, verified by broker or MRED. MRED supplied Open House information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers' personal non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by MTP or MRED. The use of the MRED Data may be subject to an end user license agreement prescribed by the Member Participant's applicable MLS if any and as amended from time to time.

Based on information submitted to the MLS GRID as of the date listed below. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers' personal non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, that the data is deemed reliable but is not guaranteed by MLS GRID, and that the use of the MLS GRID Data may be subject to an end user license agreement prescribed by the Member Participant's applicable MLS if any and as amended from time to time. MLS GRID may, at its discretion, require use of other disclaimers as necessary to protect Member Participant, and/or their MLS from liability. Some listings have been excluded from this website.

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Data last updated: 2026-10-27T02:55:04.000Z

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