Contact us: 563.441.1776
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
Attached Garage
Built in 1977
School District: District 221
General Information
Bedrooms: 3
Bathrooms: 1
Sqft: 1,064
County: Stephenson
Listed By:
Payne Realty
815-975-0243
MRED MLS
MLS ID: 12545221
Room Information
Bedroom 2: 10X10
Bedroom 3: 12X10
Kitchen: 12X10
Living Room: 12X16
Primary Bedroom: 12X12
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20 Academy Street, German Valley, IL 61039.
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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $125,000 | $125,000 | $125,000 |
| Down Payment | $25,000 | $4,375 | $31,250 |
| Monthly Mortgage Amount | $584 | $707 | $747 |
| Taxes | $174 | $174 | $174 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $55 | $0 |
| Monthly Estimated Total | $858 | $1,036 | $1,021 |
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 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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