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103 Smith Dr, De Soto, IL, 62924

5beds
2baths
2,150sqft
$220,000
$102price/sqft
$1,842/moest. monthly cost
$73,680/yrincome needed

About This Home

Spacious ranch-style home with room to spread out! This 5 bedroom, 2 full bath home offers plenty of living space both inside and out. The kitchen was remodeled within the past three years and features modern updates including a dishwasher and ample cabinetry. A convenient laundry/mudroom adds everyday functionality. Recent improvements include new flooring throughout and a newer metal roof for long-term durability. Outside, enjoy a large front yard and an equally expansive fenced backyard, perfect for entertaining, pets, or outdoor activities. With generous space and recent updates, this home offers comfort, convenience, and room to grow.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

3/10
Desoto Elementary SchoolGrades PK-80.4 mi

Construction

Condition

  • Year built: 1977

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Vinyl Siding,Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Dishwasher,Refrigerator,Disposal,Range Hood

Basement

  • Basement: None

Bedroom2

  • Level: Main
  • Area: 25
  • Dimensions: 5X5

Bedroom3

  • Features: Flooring (Wood Laminate),Window Treatments (Blinds)
  • Level: Main
  • Area: 30
  • Dimensions: 6X5

Bedroom4

  • Features: Flooring (Wood Laminate),Window Treatments (Blinds)
  • Level: Main
  • Area: 30
  • Dimensions: 5X6

Bedroom5

  • Features: Flooring (Wood Laminate),Window Treatments (Blinds)
  • Level: Main
  • Area: 25
  • Dimensions: 5X5

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Flooring (Wood Laminate),Window Treatments (Blinds)
  • Level: Main
  • Area: 16
  • Dimensions: 4X4

Family Room

  • Features: Flooring (Wood Laminate)
  • Level: Main
  • Area: 50
  • Dimensions: 10X5

Features

  • Number of fireplaces: 2
  • Fireplace features: Wood Burning,Wood Burning Stove,Free Standing,More than one,Family Room,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Forced Air,Baseboard
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,500
  • Total interior livable area: 2,150 sqft

Kitchen

  • Features: Kitchen (Galley,Updated Kitchen),Flooring (Wood Laminate)
  • Level: Main
  • Area: 30
  • Dimensions: 5X6

Laundry

  • Features: Flooring (Wood Laminate)
  • Level: Main
  • Area: 9
  • Dimensions: 3X3

Living Room

  • Features: Flooring (Wood Laminate),Window Treatments (Blinds)
  • Level: Main
  • Area: 70
  • Dimensions: 7X10

Master Bedroom

  • Features: Flooring (Wood Laminate),Window Treatments (Blinds),Bathroom (Full)
  • Level: Main
  • Area: 30
  • Dimensions: 5X6

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 1021201009
  • Special condition: Standard

Features

  • Stories: 1
  • Fencing: Fenced

Lot

  • Lot size: 0.95 Acres
  • Features: Mature Trees,Level
  • Lot size dimensions: 145x285

Parking

  • Total spaces: 5
  • Parking features: Gravel,Garage Door Opener,Yes,Garage Owned,Attached,Guest,Driveway,Owned,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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
  • Strong Wind
    Strong WindVery High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Illinois Counties

Flood

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 $1,112$13,344
Home Insurance *$228$2,736
Property Taxes $337$4,044
Electricity $165$1,984
Total$1,842$22,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,154/yr
40% on housing$55,260/yr
45% on housing$49,120/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$102This listing

vs Other Active Listings

Avg $/sqft

ZIP 62924$170
Jackson County$92

vs Homes Sold Last Month

Median $/sqft

ZIP 62924$113
Jackson County$70

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
2026-05-07Price change$232,000
2026-04-08Price change$240,000
2026-03-10Listed for sale$249,000

For Sale by Agent

AgentCRYSTAL MITCHELL
BrokerageEXIT NEW BEGINNINGZ M

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