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300 Spruce St, Pana, IL, 62557

5beds
5baths
3,914sqft
$359,900
$92price/sqft
$3,101/moest. monthly cost
$124,040/yrincome needed

About This Home

This stately 1910 three-story home with full basement offers over 3,900 square feet of finished living space and sits on a spacious 1.33-acre lot in a desirable location. Boasting 5 bedrooms and 5.5 bathrooms (including four private full baths upstairs), this home is ideal for large families or multi-generational living. The main level features include: impressive entertainment spaces with beautiful hardwood floors throughout, an expansive 30 feet by 15 feet living room with wood burning fireplace, formal dining room, and a generous foyer. Additional main-floor conveniences include a den/office, walk-in pantry, laundry room sun room, and a half bath. The upper level offers five well-sized bedrooms, four of which include egress windows. Three bedrooms feature private ensuite full bathrooms — a rare and valuable feature in a home of this era. The three floor is an expansive 45 feet by 20 feet multi purpose space. Additional highlights include: • Two-car detached garage • Elegant, masonry exterior and slate roof • Classic hardwood flooring and trim work • Huge 260’ x 222’ lot with plenty of outdoor space and numerous mature trees • Large formal, raised, masonry front porch

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

5/10
Lincoln Elementary SchoolGrades PK-50.9 mi
7/10
Pana Jr High SchoolGrades 6-80.8 mi
6/10
Pana Sr High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1910

Materials

  • Foundation: Block
  • Roof: Slate
  • Construction materials: Frame,Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Additional Room

  • Level: Main
  • Dimensions: 14ft 6in x 15ft 0in

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom1

  • Level: Upper
  • Dimensions: 11ft 0in x 16ft 0in

Bedroom2

  • Level: Upper
  • Dimensions: 11ft 2in x 15ft 1in

Bedroom3

  • Level: Upper
  • Dimensions: 11ft 2in x 11ft 0in

Bedroom4

  • Level: Upper
  • Dimensions: 11ft 2in x 13ft 8in

Bedroom5

  • Level: Upper
  • Dimensions: 11ft 0in x 8ft 0in

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes

Heating

  • Heating features: Hot Water

Interior Area

  • Total structure area: 3,914
  • Total interior livable area: 3,914 sqft

Kitchen

  • Level: Main
  • Dimensions: 11ft 4in x 15ft 0in

Laundry

  • Level: Main
  • Dimensions: 5ft 0in x 9ft 0in

Living Room

  • Level: Main
  • Dimensions: 15ft 0in x 30ft 0in

Main Level

  • Area: 1667

Other

  • Level: Main
  • Dimensions: 15ft 0in x 15ft 0in

Other

  • Level: Main
  • Dimensions: 12ft 5in x 10ft 4in

Third Floor

  • Area: 823

Upper Level

  • Area: 1424

Property

Details

  • Parcel number: 11252213800100

Lot

  • Lot size: 1.33 Acres
  • Features: Level
  • Lot size dimensions: 260 x 222

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Hail
Heat Wave
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,819$21,828
Home Insurance *$535$6,420
Property Taxes $446$5,352
Electricity $301$3,612
Total$3,101$37,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,320/yr
40% on housing$93,030/yr
45% on housing$82,693/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -3.3%
-3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$92This listing

vs Other Active Listings

Avg $/sqft

ZIP 62557$62
Christian County$89

vs Homes Sold Last Month

Median $/sqft

ZIP 62557$86
Christian County$96

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-07Price change$359,900
2026-06-04Listed for sale$379,900

For Sale by Agent

AgentAdam Jeffrey
BrokerageCraggs REALTORS, Inc.

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