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107 S Oak St, Assumption, IL, 62510

4beds
4baths
--sqft
$165,000
--price/sqft
$1,824/moest. monthly cost
$72,960/yrincome needed

About This Home

This well-maintained 2-bedroom, 2-bath duplex with an attached 1-car garage per unit offers the perfect blend of comfort and functionality. Each unit features an open floor plan, central air, and a spacious primary suite with a walk-in closet. Both units include in-unit laundry with washer and dryer, and all kitchen appliances stay, making this a turnkey property for tenants and investors alike. The roof is approximately 10 years old, and both units are currently leased, providing immediate income. Even better, the sale includes the empty lot next door, offering a rare opportunity for expansion. With water and sewer already available, the next investor could easily build another duplex or income-producing property on the site. A solid, income-generating investment with room to grow - this is one you don't want to miss!

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

--
Bond Primary SchoolGrades PK-10.4 mi
3/10
--
Central A & M High SchoolGrades 9-128.0 mi

Construction

Condition

  • Year built: 1998

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Heating

  • Heating features: Natural Gas,Forced Air

Property

Details

  • Parcel number: 01200222800104
  • Special condition: None

Lot

  • Lot size: 0.34 Acres
  • Lot size dimensions: 187x80x187x80

Parking

  • Total spaces: 1
  • Parking features: Yes,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 WaveVery High
  • Drought
    DroughtRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Drought
Heat Wave
Lightning
Strong Wind
Winter Weather
Earthquake
Hail
Inland Flooding
Tornado

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 $834$10,008
Home Insurance *$656$7,872
Property Taxes $204$2,448
Electricity $130$1,569
Total$1,824$21,888
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,537/yr
40% on housing$54,720/yr
45% on housing$48,640/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 62510$71
Christian County$89

vs Homes Sold Last Month

Median $/sqft

ZIP 62510$43
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
2026-01-23Price change$165,000
2025-11-03Listed for sale$175,000

For Sale by Agent

AgentKristen Dilley
BrokerageeXp Realty-Champaign

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