Jo Daviess County Homes under $400,000

Welcome to Jo Daviess County, a hidden gem nestled in the picturesque hills of northwest Illinois. Known for its stunning landscapes, charming small towns, and rich history, this county offers a unique blend of rural tranquility and vibrant community life. With the rolling hills of the Driftless Area, Jo Daviess is a paradise for nature lovers and outdoor enthusiasts, featuring an array of parks, trails, and waterways that invite exploration and adventure.

When it comes to finding your dream home, Jo Daviess County presents an appealing opportunity for buyers looking for homes under $400,000. The real estate market here is diverse, with options ranging from cozy cottages and historic homes to modern family residences. Whether you’re seeking a serene retreat in the countryside or a vibrant home in one of the charming towns like Galena or Elizabeth, you’ll find a variety of choices that fit your budget.

Living in Jo Daviess County means embracing a lifestyle rich in community spirit and local charm. Residents enjoy access to delightful shops, farm-to-table dining, and an array of cultural events throughout the year. With its strong sense of community and beautiful natural surroundings, Jo Daviess is not just a place to live; it’s a place to thrive.

Explore the possibilities within this captivating county, where your ideal home awaits. Dive into the real estate market today and discover why Jo Daviess County is the perfect place for you to call home!

Newest Jo Daviess County Homes under $400,000

$172,000

1 Beds ⋅ 2 Baths ⋅ 12767604 MLS ⋅ NEW Status

Enjoy the perfect blend of comfort, convenience, and investment potential in this fully furnished 1-bedroom, 2-bath condo! Located in a desirable community, this property offers a rare amenity-its own community pool, a feature few communities can offer. Recent updates include a brand-new roof and skylights. Complete with an active rental license, this condo is ready for your personal enjoyment or rental income opportunity. Whether you're looking for a vacation getaway, an investment property, or a place to call your own, this is an opportunity you won't want to miss!

111 Walnut Hill Drive Unit #111, Galena

$49,900

2 Beds ⋅ 1 Baths ⋅ 12774790 MLS ⋅ NEW Status

2 Bedroom, 1 bath fixer-upper home, with a lot of potential, located on a corner lot. River Ridge schools. This is a foreclosure home and seller will not make repairs. Good investment opportunity priced to sell.

104 N Arthur Street, Hanover

$349,500

3 Beds ⋅ 3 Baths ⋅ 12767592 MLS ⋅ ACTIVE Status

Home for Sale, Galena, IL 61036. Contemporary home for sale at 4 Oxbow Path, The Galena Territory, Galena, IL 61036. This home offers three bedrooms (one on the main level and two upstairs), two and a half bathrooms, a foyer entryway, and a galley-style kitchen. There are several windows in the dining room bringing in an abundance of natural light. The spacious great room has a cathedral ceiling, which offers one of two gas fireplaces. There is a patio door that leads to the low-maintenance deck and a detached screen porch area. This property is a combination of two parcels 1.2 acres, addresses 4 & 6 Oxbow Path, is partially wooded, situated on a quiet cul-de-sac. This home is being sold partially furnished, with some exclusions, on a separate bill of sale. Property is being sold AS-IS. Room dimensions are approximates; HOA, Transfer, and C/R apply. Aerial views are estimated boundary lines and not a survey.

4 Oxbow Path, Galena

$340,000

5 Beds ⋅ 7 Baths ⋅ 12742520 MLS ⋅ ACTIVE Status

This 11.84-acre property located in Jo Daviess County is now available! The home features 5 bedrooms, 6 bathrooms, main-level laundry, 2 fireplaces, a 2-car attached garage, 2 attached sheds, and majestic views of Jo Daviess County. The land includes an outbuilding, tillable acres, timber, and a creek. Schedule your showing today.

3114 S Rush Creek Road, Stockton

$389,900

3 Beds ⋅ 4 Baths ⋅ 12743523 MLS ⋅ ACTIVE Status

Perched on a secluded 1.14-acre wooded lot in the rolling hills of The Galena Territory, this home offers the perfect combination of privacy, space, and four-season recreation. Step inside to an inviting open-concept kitchen, dining and living area designed for gathering, along with an enclosed sun/game room and open deck overlooking the peaceful wooded surroundings. The home offers generous entertaining space and three bedrooms, each with its own en-suite bathroom, providing comfortable accommodations for family, friends, or guests. Ownership in The Galena Territory Association opens the door to an impressive collection of amenities, including the Owner's Club with indoor and outdoor pools, fitness facility, outdoor tennis, pickleball, multi-sport gym, and game room. Lake Galena and the Marina Complex, Shenandoah Riding Center, 24-mile trail system, and abundant green space provide year-round opportunities to enjoy the outdoors, while 24/7 security patrol adds peace of mind. All of this is just a short drive from restaurants, historic Galena, and Eagle Ridge Golf Resort & Spa, featuring four golf courses with a total of 63 holes of championship golf, as well as the 12,000-square-foot Stonedrift Spa. Whether you're looking for a private getaway, a place to gather with family and friends, or an investment with rental potential, this property offers an exceptional opportunity to experience all that The Galena Territory has to offer. This is a must-see! For showings, use ShowingTime or call/text agent.

5 Sundance Trail, Galena

$184,000

2 Beds ⋅ 2 Baths ⋅ 12740850 MLS ⋅ ACTIVE Status

Home for sale, Galena, IL 61036. Historic Home for sale at 228 Poplar Avenue, Galena, IL 61036. This two-bedroom, two-bathroom miner's cottage offers a newly painted interior, freshly varnished wood floors, and painted decking, all completed in July-Aug. 2026. Seller isoffering $1500 towards a carpet allowance for upstairs, so the buyer can install their own style/taste after they purchase the home. Laundry is located on the main level. Both of the bathrooms are tastefully updated. There is a driveway for off-street parking, along with a fenced-in yard in the rear of the home. The wooded deck leads off the kitchen area for additional outdoor living space. Seller is offering the new buyer a 14-month coverage Home Warranty Core Plan. The home is located on a quiet dead-end street, with a convenient location to shopping, dining, historic Main Street Galena, grocery stores, and the hospital. Dimensions are approximates and the aerial view shows estimated boundary lines, not a survey. Property being sold AS-IS.

228 Poplar Avenue, Galena

$179,500

2 Beds ⋅ 1 Baths ⋅ 12729075 MLS ⋅ ACTIVE Status

Home for sale, Galena, IL 61036. Townhouse for sale at 11 Settler Lane, Galena, IL 61036. Two-bedroom detached townhouse located in The Galena Territory, Galena, IL, offering an open floor plan design. Entering the front door, you will walk into the living room, which features a wood-burning fireplace, a guest bedroom on the main level left of the door, and passing by the living room is the dining area and kitchen area. Off the kitchen is a back door leading you to the low-maintenance deck, for additional living space and enjoyment. Upstairs is the master bedroom, full bathroom, and laundry area. The landscaping is taken care of by the HOA, and in the wintertime, the snow removal. Home is currently used as a full-time residence but would be a great part-time or vacation home. Home was formerly on theshort-term rental program, but the owner did not want to keep the license active. New buyer would need to speak with Jo Daviess County to apply for a guest accommodation license if you chose that route. Home is being sold mostly, with some exclusions, on a separate bill of sale. (SEE Personal Property Agreement) Property is being sold AS-IS. Seller has never used the wood-burning fireplace. Dimensions are approximates. HOAS, transfer fee and C/R applies.

11 Settler Lane, Galena

$349,500

4 Beds ⋅ 2 Baths ⋅ 12695901 MLS ⋅ ACTIVE Status

Don't miss this Great investment opportunity. This beautiful country resort home located in the very quiet area and the heart of desirable Eagle Ridge Resort could be used for primary residence or investment purposes. This home has been well maintained and updated by the owners within many years. Enjoy the peace and quiet from the deck. This lovely home features a welcoming open floor plan for entertaining, hard wood and tile floors throughout, 4 bedrooms and 2 full bathrooms, plenty of windows to add natural light. Resent updates includes new roof, new siding, new deck, new water heater, freshly painted. The kitchen has plenty of counter prep space. The main floor features cathedral ceilings and an open concept for wonderful family gatherings and entertaining. The walkout lower level has bedroom/bathroom suite, ceramic floors and a spacious family room with walkout to deck, mechanical room and storage. All nicely kept with low maintenance landscaping. The property has plenty of outdoor space for relaxing and activities with family & friends. Desirable location. Home is being sold unfurnished, however all furnishings are negotiable. Outdoor tennis, pool, multi-sport gym and game room. Lake Galena and the Marina Complex. 24-mile Trail and Greenspace over 1,900 acres of year-round outdoor recreation. Close to the restaurants, championship golf, and spa facilities of Eagle Ridge Resort & Spa on the GTA grounds. Short drive distance to Downtown Galena, restaurants and shopping. Move in and enjoy!

5 Mosswood Path, Galena

$330,500

2 Beds ⋅ 4 Baths ⋅ 12689050 MLS ⋅ ACTIVE Status

RIVERFRONT PARADISE on 2.7-acre wooded estate featuring 120 feet of pristine Apple River frontage. A charming covered front porch welcomes you into this custom 2-bedroom home, meticulously built with two full baths and two half baths. The heart of the home is a gourmet chef's kitchen equipped with a massive center island, bar sink, built-in oven, and integrated breakfast table; opening seamlessly into a sun-drenched family room. Unwind in the spacious living room anchored by a cozy pellet-fired stove and a custom window seat bump-out perfect for wildlife viewing. Crestline wood casement windows frame panoramic views of the terraced lawn and flowing river from the kitchen, while the rest of the home offers Anderson E-Glass vinyl clad windows. The main floor hosts a convenient bedroom with an attached dual-vanity ensuite bathroom featuring a luxury full-body tile shower. Upstairs, the massive primary suite serves as a private sanctuary, a walk-in closet,a second full ensuite bath, and dual architectural dormers. One dormer features a private walk-out balcony overlooking the peaceful, timbered landscape. The versatile walk-out basement includes a dedicated garage door entrance, providing seamless indoor workshop space for toys and tools, a finished office with a large window overlooking the terraced landscape and river, plumbing for an additional LL laundry room and a 1/2 bath. Step outside the basement to a covered concrete patio perfectly prepped for a hot tub. Exterior amenities are unmatched: a 2-car detached garage enclosed by an elegant brick accent wall, an additional attached side garage for your side by side or ATV, a lower equipment shed for additional storage, a turnkey chicken shed, and a secure dog run. Nestled near the water sits a historic mill-era barn, newly sided and ready for storage. Peace of mind is built-in with roof and siding installed in 2015, a modern septic system installed in 2021 and a NuVoH2O saltless system installed. Experience ultimate privacy, modern luxury, and historical charm on the Apple River. Ideally located only 20 minutes away from Galena, IL,

3503 S Ebys Mill Road, Elizabeth

$324,900

3 Beds ⋅ 2 Baths ⋅ 12653401 MLS ⋅ ACTIVE Status

Beautifully remodeled 3-bedroom, 2-bath Northridge townhome offering 1,362 square feet of well-designed living space with stunning horizon views from every level-including year round vistas of the nearby golf course. Exceptionally maintained and thoughtfully updated, this turnkey property works as a full-time home, weekend retreat, or proven income-producing rental. Key Features: 1,362 sq ft per County Records, 3 bedrooms, including an upper-level primary suite with a private deck. Brand-new primary shower (2026) plus updated vanities and 2022 showerheads. Newer kitchen with solid-surface countertops & stainless-steel appliances. Open living/dining area with wood-burning fireplace. Upper-level luxury vinyl flooring (2022); new main-level bedroom flooring (2022). Second living space on the lower level - perfect for a movie or game room. Private patio overlooking the fairway. Attached single-car garage - a rare feature among area condos. Newer water heater and 2022 water softener. Smart lock entry system. Roof and skylight replaced in 2025. Professionally managed by The Collection Vacation Homes, LLC. Location & Lifestyle. Enjoy sweeping seasonal views, easy access to walking paths, Eagle Ridge's four golf courses, the new spa, and historic downtown Galena. Galena Territory Owners Club Amenities: Indoor & outdoor pools, Fitness center, gymnasium, game room, snack bar, Tennis & pickleball courts, 32 miles of scenic trails, Lake Galena with pontoon & kayak rentals, Shenandoah Riding Center, 24/7 security, business center, professional management. Resort owner discounts. Be sure to ask for the full list of amenities included with ownership in The Galena Territory. Investment Potential: Currently a licensed short-term rental with a strong booking history. License and rental infrastructure may transfer to the buyer for a seamless, ready-to-rent setup. HOA Details GTA Annual Fee: $1,360/year Monthly Assessment: $320/month Furnishings available via separate bill of sale square footage per County Records. Most of the furniture will remain with the property.

315 Territory Drive, Galena

$225,000

2 Beds ⋅ 2 Baths ⋅ 12594838 MLS ⋅ ACTIVE Status

Tucked among the rolling hills and wooded beauty of the Galena Territory, this charming 2-bedroom, 1.5-bathroom Settler-style townhouse at 7 Settler Lane offers the perfect blend of character, comfort, and low-maintenance living with seasonal views of Lake Galena. Inspired by classic Williamsburg design, these townhouses are thoughtfully arranged in clusters and supported by a monthly maintenance program that covers exterior upkeep and grounds, ideal for an effortless weekend escape or rental investment property (yes, this has a rental license). This two-story home features a bedroom on each level, providing flexibility and privacy for owners and guests alike. The open-concept main living area is warm and inviting, highlighted by beautiful birch floors, a cozy wood-burning fireplace, and abundant natural light. The kitchen was tastefully remodeled in 2024, offering modern finishes while maintaining the home's timeless charm. Meticulously maintained and truly move-in ready, recent updates include AC unit, baseboard heat, and thermostats (2022), doors and windows (2014), an added half bath on the lower level (2013), and water heater (2013); over $20,000 of improvements since the current owners purchased it in 2013. Offered mostly furnished (with a few exclusions) and transferred via a separate bill of sale, this property is ready for immediate enjoyment. Whether you're looking for a peaceful full-time residence or a low-maintenance vacation retreat, this home delivers exceptional value in one of Galena's most sought-after communities. Eagle Ridge Townhouse HOA monthly fee of $375.

7 Settler Lane, Galena

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