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404 South St, Morrisonville, IL, 62546

2beds
1baths
967sqft
$89,900
$93price/sqft
$820/moest. monthly cost
$32,800/yrincome needed

About This Home

Step inside this inviting 2-bedroom, 1-bath home featuring high ceilings and beautiful new flooring throughout. Enjoy peace of mind with updated electrical and plumbing, a new water heater, new sump pump, and a whole-home water filtration system. The remodeled bathroom and refreshed basement stairs add comfort and style, while the kitchen retains its warm character with generous natural light. Enjoy the outdoors on a good-sized lot with mature peach trees, a covered patio, and a deck off the back, ideal for relaxing or entertaining. The property also features a paved driveway and two-car garage for convenience and storage. Starlink internet is already installed, keeping you connected at high speeds. Conveniently located near the park, this property blends classic charm with thoughtful modern upgrades—ready for you to move in and make it your own!

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

6/10
7/10
4/10
Morrisonville High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Brick/Mortar
  • Roof: Shingle
  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom1

  • Level: Main
  • Dimensions: 9ft 2in x 10ft 8in

Bedroom2

  • Level: Lower
  • Dimensions: 9ft 2in x 12ft 6in

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 967
  • Total interior livable area: 967 sqft

Kitchen

  • Level: Main
  • Dimensions: 14ft 3in x 12ft 0in

Living Room

  • Level: Main
  • Dimensions: 27ft 8in x 11ft 7in

Main Level

  • Area: 967

Property

Details

  • Parcel number: 13220811900200

Lot

  • Lot size: 10,650 sqft
  • Features: Level
  • Lot size dimensions: 75 x 142

Parking

  • Total spaces: 2
  • Parking features: Detached,Paved
  • 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 WaveVery High
  • Drought
    DroughtRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Drought
Lightning
Strong Wind
Winter Weather
Earthquake
Hail
Heat Wave
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 $454$5,448
Home Insurance *$125$1,500
Property Taxes $111$1,332
Electricity $130$1,569
Total$820$9,840
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$28,114/yr
40% on housing$24,600/yr
45% on housing$21,866/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

$93This listing

vs Other Active Listings

Avg $/sqft

ZIP 62546
Christian County$90

vs Homes Sold Last Month

Median $/sqft

ZIP 62546$68
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
2026-03-25Listed for sale$115,000
2024-03-06Sold$40,000
2024-02-09Contingent$50,000
2024-01-25Price change$50,000
2024-01-02Price change$54,900
2023-12-18Listed for sale$59,900
2016-10-25Sold$57,000
2016-08-19Listed for sale$59,900

For Sale by Agent

AgentBrittney Gunther
BrokerageCurvey Real Estate, Inc.

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