Stephenson County Homes under $400,000

Welcome to Stephenson County, Illinois, a hidden gem nestled in the heart of the Midwest. Known for its picturesque landscapes and friendly communities, this county offers a perfect blend of rural charm and modern living. With a rich history and vibrant culture, Stephenson County is home to the bustling city of Freeport, where local shops, dining, and recreational activities abound.

For those looking to settle in this beautiful area, you’ll be delighted to discover that there are numerous homes available for under $400,000. Whether you’re a first-time homebuyer, a growing family, or looking to downsize, Stephenson County has a diverse array of properties to suit your needs. From charming single-family homes with spacious yards to contemporary townhouses that offer low-maintenance living, there’s something for everyone.

Imagine enjoying the beauty of the changing seasons from your own backyard, or taking a leisurely stroll through one of the many parks that dot the landscape. With a strong sense of community and excellent schools, Stephenson County is an ideal place to call home. Plus, with easy access to major highways, you’re just a short drive away from the larger cities of Rockford and Chicago, making it an excellent location for commuters.

Don’t miss your chance to explore the wonderful properties available in Stephenson County. With affordable options under $400,000, your dream home is waiting for you in this charming corner of Illinois!

Newest Stephenson County Homes under $400,000

$150,000

3 Beds ⋅ 1 Baths ⋅ 12774400 MLS ⋅ NEW Status

All-brick ranch with original 1960s hardwood floors, an updated bath, attached 2-car garage, and great indoor and outdoor living space! The spacious living room flows into the kitchen offering an abundance of cabinetry, plenty of counter space, and room to comfortably cook and gather. The main floor continues with nicely sized bedrooms and a beautifully updated full bath, combining the home's original character with a fresh, modern feel. Need additional living space? The lower level is partially finished, providing flexibility for a family room, recreation area, home office, exercise space, or hobbies, while still leaving plenty of room for laundry and storage. Outside, the large 22' x 16' patio feels surprisingly private and creates a great place for outdoor dining, grilling, gardening or simply relaxing. The attached 22' x 22' two-car garage adds everyday convenience along with additional storage space. Additional features include high-efficiency gas forced-air heat, central air, and all appliances, including the washer and dryer, staying with the home. With all-brick construction, original hardwood floors, an updated bath, partially finished lower level, attached two-car garage, and a private-feeling patio, this classic ranch offers solid features, comfortable living space, and plenty of possibilities to make it your own.

1364 Empire Court, Freeport

$234,900

3 Beds ⋅ 3 Baths ⋅ 12775165 MLS ⋅ NEW Status

Welcome home to this spacious and move-in-ready ranch in Freeport! Offering 5 bedrooms and 3 full bathrooms, this home provides plenty of space with a functional layout and comfortable living areas throughout. The main level features a welcoming living space with a cozy gas fireplace and a primary bedroom complete with its own private full bathroom. The finished basement adds even more living space with a large rec room that's perfect for entertaining, relaxing, or creating a home theater or game room. You'll also find 2 additional bedrooms and a full bathroom in the lower level, making it a great setup for guests, older children, or extended family. Outside, enjoy a peaceful backyard that's ready for summer evenings, cookouts, or simply unwinding at the end of the day. A concrete driveway adds convenience and easy maintenance. With 5 bedrooms, 3 full bathrooms, a finished basement, and move-in-ready condition, this ranch has the space and versatility you've been looking for!

508 Winchester Drive, Freeport

$164,900

3 Beds ⋅ 2 Baths ⋅ 12774678 MLS ⋅ NEW Status

A DIAMOND IN THE ROUGH! Bring your vision and transform this charming corner-lot home into something truly special. This 3-bedroom, 1.5-bath home offers approximately 2,000 sq ft, a classic brick exterior, beautifully maintained hardwood floors, a welcoming family room, a cozy fireplace, and a bright 3-season sunroom perfect for enjoying the seasons. The home also features additional finished space in the lower level, a 2-car garage, and a spacious lot. Conveniently located near schools, parks, shopping, and everyday amenities, this home offers plenty of potential for the buyer ready to add their personal touch. Agents, bring your buyers with vision! This is an opportunity to create something special and make this home your own. Property is being sold AS IS.

1351 W Lincoln Boulevard, Freeport

$70,000

3 Beds ⋅ 1 Baths ⋅ 12772295 MLS ⋅ NEW Status

Corner lot, 3 bedrooms, 1 bath, eat in kitchen plus a dining room, living room, office, walk in pantry and main floor laundry. Outdoors you will find a covered porch, deck, firepit, large yard, garage with room for 1 smaller car and man cave or open it back up for 2 cars. Had been used as a bike shop at one time. Lot is zoned commercial so many options here! Property and appliances are being sold in "as is" condition, house will not work with government type loans.

217 W Railroad Street, Lena

$99,000

4 Beds ⋅ 2 Baths ⋅ 12768141 MLS ⋅ NEW Status

Welcome home to this charming four-bedroom, two-bathroom residence that perfectly blends classic character with everyday comfort. Enter and discover a thoughtfully designed layout that gives everyone room to breathe with generousliving areas. The kitchen is ready to inspire your culinary creativity - or at the very least, your appreciation for convenience. With ample counter space and storage. Two full bathrooms ensure morning routines run smoothly, even on the busiest of days. The upper level features a spacious primary bedroom that serves as a peaceful retreat, while three additional bedrooms offer flexible possibilities for guests, a home office, or that hobby room you have always dreamed about. Each space carries its own unique charm and potential. This is more than a house - it is a place where memories are waiting to be made. Schedule your private showing today!

317 N Grove Avenue, Freeport

$179,900

4 Beds ⋅ 2 Baths ⋅ 12769238 MLS ⋅ ACTIVE Status

Discover a bright, versatile bi-level designed for comfortable everyday living. Skylights fill the spacious living room with natural light, while a fireplace adds warmth and a patio door leads to the multilevel deck and fenced backyard. The kitchen features stainless steel appliances, a center island, and a generous dining area with another patio door for easy outdoor access. The primary bedroom includes a private bathroom with a whirlpool tub and separate shower. A second bedroom offers a walk-in closet and access to the main-floor laundry, while the hall bathroom serves the remaining bedrooms. The lower level expands the possibilities with a large family room, fourth bedroom, and entry to the two-car tandem garage. Outside, enjoy the above-ground pool with a new pump, filter, sand, and ladder, plus a swing set and shed.

2105 W Bedford Road, Freeport

$319,900

3 Beds ⋅ 3 Baths ⋅ 12767571 MLS ⋅ ACTIVE Status

ALL-BRICK LAKEVIEW RAISED RANCH JUST A SHORT WALK TO THE BEACH! This meticulously maintained 2,548-square-foot home offers lake views from nearly every room and an exceptional setting in Lake Summerset. The beautifully landscaped yard is truly a showpiece and was a Garden Club winner for 7 consecutive years. The main level features a spacious living room filled with natural light, along with a well-appointed kitchen featuring hickory hardwood flooring and newer stainless-steel appliances (2024). Three bedrooms are located on the main level, including a spacious primary suite with a private ensuite bath. The additional two bedrooms share a guest bathroom complete with a relaxing jetted tub. The lower level offers even more living space with a comfortable family room highlighted by a brick-surround wood-burning fireplace, perfect for cozy evenings. Also in the partially exposed lower-level, you'll find an office/nook, large full bathroom, and spacious laundry room. The garage includes a separate workshop area, providing excellent space for projects or additional storage. Enjoy the Lake Summerset lifestyle with two beaches, two marinas, a heated pool, splash pad, tennis, pickleball, parks, and a 285-acre spring-fed stocked lake known for excellent fishing, including muskie, walleye, bass, northern pike, and more. All this in a beautiful private community approximately 90 minutes from O'Hare and 45 minutes from Madison, Wisconsin. A truly special lakeview home with an unbeatable combination of views, location, and meticulous care! The boat is negotiable with the home! NEW garage door, two NEW Pella windows, Stainless steel appliances 2024.

548 Baintree Road, Davis

$392,900

4 Beds ⋅ 3 Baths ⋅ 12766519 MLS ⋅ ACTIVE Status

Immaculate Lake Summerset lake-view ranch featuring 4 bedrooms, 2.5 baths, and a 3.5-car garage with a circular driveway and beautifully landscaped perennial gardens. New roof and New entire house vinyl sided completed in September 2026, New water softener (2026). The front of the house showcases an elegant combination of Natural Stone on the 3.5 garage, and the entrance has new vinyl siding. The spacious gourmet kitchen includes a center island and an eat-in area with sliding doors that open to a large deck with lake views. An open floor plan connects the generous living with a natural stone floor to ceiling fireplace and hard wood floor on the main level. The master suite offers a whirlpool tub, separate shower, private water closet, and direct access to the expansive deck. A convenient half bath is located on the main floor for guests. Additional storage is available upstairs and in the finished lower level, which features 3 bedrooms, a full bath, an exercise room, a comfortable family room with lake views and has a slider to a paved stone patio and a manicured lawn and beautiful garden. This meticulously maintained home is over 3,306 finished square feet, Dakota schools and is just 90 minutes from O'Hare and 60 miles from downtown.

942 Lake Summerset Road, Davis

$360,000

4 Beds ⋅ 4 Baths ⋅ 12764507 MLS ⋅ ACTIVE Status

Over 3,000 square feet on more than a half-acre private wooded lot situated on a dead end street, with multiple living areas, two decks, a patio, and a daylight walkout lower level! This spacious two-story offers 4 bedrooms, 3.5 baths, beautiful hardwood floors, built-ins, and a layout designed to give you room to live, work, gather, and entertain. From the moment you enter, you'll appreciate the quality and updates throughout. The main-floor office features an impressive wall of built-in bookcases, while the living and dining rooms offer hardwood floors, a fireplace, and an easy flow for everyday living or entertaining. The kitchen provides a breakfast bar, dining area, pantry, and a full wall of cabinetry for plenty of storage. Just beyond, the main-floor family room features a wood-burning fireplace, built-ins, and direct access to one of the large decks, bringing the wooded setting right into your everyday living space. Upstairs you'll find three generously sized bedrooms plus the spacious primary suite. The primary bedroom offers double closets and a completely updated private bath remodeled in 2023. A second full bath with abundant storage serves the additional bedrooms. Need even more room? The daylight walkout lower level adds another large family room with a wood stove and direct access to the 20' x 20' patio. An additional office or guest area, full bath, and unfinished room that could provide future bedroom, exercise, or hobby space giving this level tremendous flexibility. Outside, the wooded lot creates a private backdrop for enjoying the two decks and patio, and an underground dog fence is already installed. Major improvements include house roof 2014, garage and front porch roof 2022, hi-efficient furnace with electric air purifier and april aire 2021, central air 2021, water softener 2025, water heater 2021, washer and dryer 2024, gutters replace 2018, deck expanded 2022, driveway expanded and redone 2022, large deck replaced 2024, living room dining room hardwood 2021, lower level flooring 2026, siding 1999. With over 3,000 square feet, 4 bedrooms, 3.5 baths, three separate living areas, home office space, a walkout lower level, multiple fireplaces, updated primary suite, and a private wooded half-acre-plus setting, this home offers the space and flexibility that are increasingly hard to find.

732 Santa Fe Drive, Freeport

$250,000

3 Beds ⋅ 2 Baths ⋅ 12759906 MLS ⋅ ACTIVE Status

Timeless character, beautiful architectural details, and an abundance of space come together in this impressive home! A large covered front porch welcomes you into an impressive open entry showcasing a gorgeous curved staircase and hardwood floors that continue throughout much of the home. The spacious living room features a beautiful arched opening, wood-burning fireplace, and access to a four-season room that opens to the backyard deck. The formal dining room is filled with character, featuring curved French doors, built-in cabinetry, and convenient access to the kitchen. The bright kitchen offers updated appliances, plenty of workspace, and a functional layout. A unique double-entry half bath completes the main level. Upstairs, you'll find additional built-in storage, generously sized bedrooms, and a versatile bonus room adjoining two of the bedrooms-perfect for a private office, playroom, dressing room, or oversized walk-in closet. The full bath features both a tub and separate shower along with built-in cabinetry. The oversized primary bedroom is a standout with three closets and French doors opening to the potential for an upper-level balcony overlooking the backyard. The basement provides even more possibilities with one finished room, while outside you'll enjoy a large yard, fenced backyard, deck, and a nice-sized one-stall garage. Beautiful architectural details, spacious rooms, flexible living spaces, and a wonderful location make this a home you won't want to miss!

1569 W Stephenson Street, Freeport

$120,000

3 Beds ⋅ 2 Baths ⋅ 12762918 MLS ⋅ ACTIVE Status

PACKAGE DEAL ( SEE BROKER REMARKS) 1002 S. OAK AVE. & 205 W. JOHN ST. - DUPLEX on a Corner Lot Tenant pays Gas and Electric utilities. Updates in Nov & Dec 2021 - New Kitchen in Main Floor, Electric Updated, Furnaces serviced, Some More New Windows & Both water heaters New 9/2021. Steel Roof.

1002 Oak Avenue, Freeport

$70,000

2 Beds ⋅ 1 Baths ⋅ 12762859 MLS ⋅ ACTIVE Status

PACKAGE DEAL (SEE BROKER REMARKS) Perfect starter home!! Home features 2 bedroom with loft, updated bathroom, Large kitchen with table space, Stainless appliances, extra large carpeted living room, enclosed carpeted front porch, full basement and yard perfect for entertaining and family. Don't let this one get away.

219 W John Street, Freeport

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