807 N Cardinal St, Effingham, IL, 62401
About This Home
Welcome home to this beautifully maintained 3-bedroom, 2-bath house featuring an easy-living floor plan designed for comfort and convenience. The updated kitchen offers modern finishes and ample workspace, making it the perfect gathering place for family and friends. Spacious living areas and generously sized bedrooms provide plenty of room to relax and unwind. Located in one of the area's most desirable neighborhoods, this home combines style, functionality, and an unbeatable location. Don't miss your opportunity to enjoy comfortable living in a home that truly has it all!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1973
Materials
- Foundation: Crawlspace
- Roof: Shingle
- Construction materials: Brick,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Electric Water Heater,Disposal,Oven,Range,Refrigerator,Washer
- Laundry features: Main Level
Basement
- Basement: Crawl Space
Bedroom
- Level: Main
Bedroom
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: Main
Family Room
- Level: Main
Features
- Bath in Primary Bedroom,Main Level Primary
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area above ground: 1,686
Heating & Cooling
- Heating features: Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 1,686
- Total interior livable area: 1,686 sqft
Kitchen
- Level: Main
Living Room
- Level: Main
Other
- Level: Main
Primary Bathroom
- Level: Main
Primary Bedroom
- Level: Main
Property
Details
- Parcel number: 0316006121
- Zoning: RES
- Special condition: None
Features
- Levels: One
- Stories: 1
Lot
- Lot size: 0.26 Acres
- Lot size dimensions: 85 x 131
Parking
- Total spaces: 2
- Parking features: Attached,Garage
- 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
- 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 | $1,263 | $15,156 |
| Home Insurance * | $178 | $2,136 |
| Property Taxes | $285 | $3,420 |
| Electricity | $130 | $1,569 |
| Total | $1,856 | $22,272 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-11 | Price change | $249,900 |
| 2026-06-24 | Listed for sale | $255,900 |
| 2014-09-03 | Sold | $140,000 |
| 2014-07-19 | Price change | $144,900 |
| 2014-06-24 | Listed for sale | $149,900 |
| 2006-12-20 | Sold | $114,000 |
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