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20 Academy Street German Valley, IL 61039 Residential - Single Family Active

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Description

A Small Town with a Big Heart Welcome to Germantown, a community where history isn't just in the books-it's in the streets, the traditions, and the friendly "hello" from your neighbors. Known for its rich heritage and deep-rooted sense of togetherness, Germantown offers the peaceful, secure lifestyle of a small town while keeping you connected to everything you need. The Canvas for Your Dream Home Located on a quiet street, this 3-bedroom, 1-bathroom home is a true "diamond in the rough" waiting for the right visionary to polish it. Whether you are an ambitious DIYer, a first-time homebuyer looking to build sweat equity, or an investor seeking a high-potential rental, this property is your blank canvas. Main Level: A functional layout with three bedrooms that offer great natural light. The Lower Level: The full basement is a game-changer. Currently a clean slate, it's waiting to be transformed into a cozy family room, a home gym, a workshop, or the ultimate "man cave" or "she-shed." The Great Outdoors: Situated on a generous .27-acre lot, the backyard is a rare find. From an expansive garden and a playground to a custom deck for summer BBQs, there is room for a myriad of possibilities to create your own private oasis. Why This Property? Opportunities to own a piece of Germantown at this price point don't come often. With a solid foundation and plenty of character, this home allows you to stop renting and start investing in your future. Bring your tools, your paint swatches, and your imagination-and turn this house into the talk of the town.

Property Highlights

Property Type: Residential - Single Family
Total Living Area SF: 1,064
Garage Size: 1
School District: ForrestVille Valley 221

General Information

Bedrooms: 3
Bathrooms: 1
Sqft: 1,064
County: Stephenson
Listed By:
Payne Realty
Rockford Board of Realtors

Room Information

Bedroom 1: 12 X 12 Level - Main
Bedroom 2: 10 X 10 Level - Main
Bedroom 3: 12 X 10 Level - Main
Kitchen: 12 X 10 Level - Main
Living Room: 12 X 16 Level - Main
$125,000
Est. $874/mo
3beds
1baths
1,064sqft
1cars
Active
BEDS3 BATHS1 full SQUARE FEET1,064 MLS#202600989
STATUSActive PROPERTY TYPEResidential - Single Family SCHOOLForrestVille Valley 221

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20 Academy Street, German Valley, IL 61039.

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Loan Type 30 Year FixedFHA 30 Year Fixed15 Year Fixed
Purchase Price $125,000$125,000$125,000
Down Payment $25,000$4,375$31,250
Monthly Mortgage Amount $600$736$766
Taxes $174$174$174
Insurance $100$100$100
HOA/Dues/Fees $0$0$0
Monthly Mortage Insurance $0$55$0
Monthly Estimated Total $874$1,065$1,040

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated 04/06/2026. The listing information on this page last changed on 04/06/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Mon 04/06/2026 9:06:56 AM EST) or MRED MLS (last updated Mon 04/06/2026 9:02:18 AM EST) or SCWMLS (last updated Mon 04/06/2026 8:58:42 AM EST) or Rockford Board of Realtors (NWIAR) (last updated Sun 04/05/2026 10:15:20 PM EST) or Cedar Rapids MLS (last updated Mon 04/06/2026 9:04:42 AM EST) or NEIRBR MLS (last updated Mon 04/06/2026 8:58:43 AM EST) or ICAAR MLS (last updated Mon 04/06/2026 8:32:18 AM EST) or ECIMLS (last updated Mon 04/06/2026 8:32:52 AM EST) or RMLSA (last updated Mon 04/06/2026 9:01:02 AM EST) or Muscatine MLS (last updated Mon 04/06/2026 8:38:33 AM EST) or No Coast MLS (last updated Mon 04/06/2026 9:04:48 AM EST). Real estate listings held by brokerage firms other than Ruhl&Ruhl Realtors may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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