105 W Kagay Ave, Effingham, IL, 62401
About This Home
With some TLC this home could be a great starter home. The house needs some updating in flooring, paint and cabinets. It is livable as is so you could stay as you fix it up. Three bedrooms along with front and back enclosed porches. The house sits on .23 acres and comes with a lot to the east of home adding another .23 acres for a total of .46 acres. One car detached garage with a dirt floor. Main road access from the front and an alley access from the back. The house has a newer outside central air unit and furnace. The big yard behind the garage combined with the lot leaves plenty of room for pets.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1940
Materials
- Foundation: Crawlspace
- Roof: Asphalt
- Construction materials: Shingle Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Water Heater,Range,Refrigerator
Basement
- Basement: Crawl Space
Bedroom
- Level: Main
Bedroom
- Level: Main
Bedroom
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Features
- Main Level Primary
- Finished area above ground: 912
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 912
- Total interior livable area: 912 sqft
Kitchen
- Level: Main
Living Room
- Level: Main
Other
- Features: Bathtub
- Level: Main
Porch
- Level: Main
Property
Details
- Parcel number: 0316057072
- Zoning: R-2
- Special condition: None
Features
- Levels: One
- Stories: 1
Lot
- Lot size: 0.46 Acres
- Lot size dimensions: 100 x 400
Parking
- Total spaces: 1
- Parking features: Detached,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
- Earthquake
- Heat Wave
- Strong Wind
- Tornado
- Winter Weather
- Hail
- Inland Flooding
- Ice Storm
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $455 | $5,460 |
| Home Insurance * | $64 | $768 |
| Property Taxes | $39 | $468 |
| Electricity | $130 | $1,569 |
| Total | $688 | $8,256 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-07 | Price change | $100,000 |
| 2026-02-24 | Listed for sale | $115,000 |
| 2026-02-23 | Listing removed | $115,000 |
| 2026-02-22 | Price change | $115,000 |
| 2025-12-16 | Price change | $130,000 |
| 2025-10-08 | Listed for sale | $145,000 |
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