Contact us: 563.441.1776
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.
Property Highlights
Property Type: Residential - Single Family
Total Living Area SF: 1,958
Garage Size: 2
Attached Garage
Built in 1934
School District: District 2
One Fireplace
General Information
Bedrooms: 3
Bathrooms: 3
Sqft: 1,958
County: Whiteside
Listed By:
Windmill Real Estate
815-589-9191
MRED MLS
MLS ID: 12577801
Room Information
Foyer: 4X10
Mud Room: 9X14
Heated Sun Room: 10X15
Bedroom 2: 12X16
Bedroom 3: 10X16
Dining Room: 12X15
Kitchen: 12X21
Laundry: 4X5
Living Room: 16X16
Primary Bedroom: 12X16
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105 S Bluff Street, Albany, IL 61230.
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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $274,900 | $274,900 | $274,900 |
| Down Payment | $54,980 | $9,622 | $68,725 |
| Monthly Mortgage Amount | $1,283 | $1,575 | $1,644 |
| Taxes | $383 | $383 | $383 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $121 | $0 |
| Monthly Estimated Total | $1,766 | $2,179 | $2,127 |
About this area
About Albany
Albany, IL is a close-knit and small town. Known for being a quaint and beautiful riverside community, the town works together to plan events throughout the year, including the Halloween Fest, City-Wide Garage Sales and the popular Miss Flame Festival. Known for its peaceful rural setting and friendly atmosphere, Albany offers a slower pace of life while still providing convenient access to larger cities like Clinton, IA and the Quad Cities region. The town features scenic river views, open farmland, and tree-lined residential streets that reflect its Midwestern charm and history.
Real estate in Albany primarily consists of single-family homes, with a mix of historic properties, ranch-style homes, and newer construction. Many homes offer spacious lots, detached garages, and a strong sense of privacy. Buyers looking for affordability and room to spread out are drawn to Albany’s housing market. Opportunities may also exist for buyers interested in land, investment properties, or fixer-uppers with long-term potential.
Albany appeals to those who value a close-knit community, outdoor recreation, and a relaxed lifestyle. Residents enjoy fishing, boating, and walking along the river, while still being a short drive from schools, shopping, and medical services. Whether you’re looking for a permanent residence or a peaceful escape from city life, Albany offers a welcoming environment and attainable real estate options in a naturally beautiful setting.
If you are ready to start your real estate buying or selling journey, browse the newest homes for sale in Albany, IL. You can also contact us—we are here to help!
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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 03/04/2026. The listing information on this page last changed on 03/04/2026. 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 Wed 03/04/2026 2:57:32 AM EST) or MRED MLS (last updated Wed 03/04/2026 2:04:01 AM EST) or SCWMLS (last updated Tue 03/03/2026 11:54:38 PM EST) or Rockford Board of Realtors (NWIAR) (last updated Tue 03/03/2026 10:15:25 PM EST) or Cedar Rapids MLS (last updated Tue 03/03/2026 10:44:16 PM EST) or NEIRBR MLS (last updated Wed 03/04/2026 1:18:40 AM EST) or ICAAR MLS (last updated Tue 03/03/2026 11:37:36 PM EST) or ECIMLS (last updated Tue 03/03/2026 11:44:17 PM EST) or RMLSA (last updated Wed 03/04/2026 1:10:55 AM EST) or Muscatine MLS (last updated Wed 03/04/2026 2:00:21 AM EST) or No Coast MLS (last updated Wed 03/04/2026 12:44:20 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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