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3640 Zermatt Court, Rockford, IL 61114.
Welcome home to this beautifully updated two-story situated on a quiet cul-de-sac with an exceptionally private, fenced, and professionally landscaped backyard. Offering more than 3,200 square feet of finished living space, this home combines quality craftsmanship, thoughtful updates, and outstanding spaces for everyday living and entertaining. Step inside to find rich oak hardwood flooring flowing through much of the main level, leading to a spacious living room highlighted by a beautiful bay window and abundant natural light. The inviting family room features a refinished fireplace with brick surround, built-in shelving, and seamless access to the stunning four-season room surrounded by windows overlooking the large backyard. The updated kitchen is designed for both function and style, featuring quality dovetail soft-close cabinetry, quartz countertops, a serving center with beverage refrigerator, pantry, stainless steel appliances, and tile flooring. The adjacent first-floor laundry and powder room offer additional convenience, while access to the expansive deck creates the perfect setting for outdoor entertaining. Upstairs, the impressive primary suite and primary bathroom have been beautifully remodeled and showcases a cathedral ceiling accented with shiplap, a spacious expanded closet and walk-in, double vanity, and luxurious tiled shower. Three additional generously sized bedrooms and an updated full bath complete the upper level. The FULLY EXPOSED LOWER LEVEL expands the living space with a large recreation room featuring a second fireplace, a full bath, a dedicated workout room, a newly finished sauna room, ample storage, and direct access to the screened lower-level porch-creating an ideal retreat for relaxing or entertaining year-round. Major improvements provide peace of mind, including Pella windows (2022), roof (2023), gutters (2023), furnace (2024), air conditioning (2023), screened porch updates (2023), serviced in-ground sprinkler system, serviced fireplaces (2026), new fireplace flues, and brand-new toilets throughout (2026). Rounding out this exceptional property is the oversized 3.5-car tandem garage, offering plenty of room for vehicles, hobbies, tools, and toys. A rare combination of space, updates, and location that is ready for its next owner to enjoy.
MLS ID: 202603285
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3640 Zermatt Court, Rockford, IL 61114.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $450,000 | $450,000 | $450,000 |
| Down Payment | $90,000 | $15,750 | $112,500 |
| Monthly Mortgage Amount | $2,187 | $2,685 | $2,780 |
| Taxes | $626 | $626 | $626 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $198 | $0 |
| Monthly Estimated Total | $2,944 | $3,640 | $3,537 |
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