See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

521 W Water St, Pontiac, IL, 61764

5beds
2baths
1,976sqft
$200,000
$101price/sqft
$1,676/moest. monthly cost
$67,040/yrincome needed

About This Home

Spacious family home built in 2013 featuring a main-floor primary bedroom with full bathroom and four bedrooms upstairs with second floor utility room and a bonus room that would make a great office, storage or play room. The open floor plan includes a large living room, kitchen, and dining area, creating a great space for everyday living and entertaining. The partially finished basement provides additional living space and storage. Outside you'll find a 24' x 32' detached garage and a fenced in backyard. Conveniently located close to downtown, local parks and one of Pontiacs iconic swinging bridges.

Getting Around

83
WalkingVery Walkable
0
TransitVery Limited Transit
60
BikeBikeable

Schools

--
Central Elementary SchoolGrades PK-10.4 mi
4/10
Pontiac Jr High SchoolGrades 6-81.0 mi
3/10
Pontiac High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 2013

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Full

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 132
  • Dimensions: 11X12

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 130
  • Dimensions: 10X13

Bedroom4

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 132
  • Dimensions: 11X12

Bedroom5

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 144
  • Dimensions: 12X12

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Dimensions: COMBO

Features

  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 988
  • Total interior livable area: 1,976 sqft

Kitchen

  • Features: Kitchen (Pantry-Closet),Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 361
  • Dimensions: 19X19

Laundry

  • Level: Second
  • Area: 72
  • Dimensions: 9X8

Living Room

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 288
  • Dimensions: 18X16

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full)
  • Level: Main
  • Area: 195
  • Dimensions: 13X15

Office

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 55
  • Dimensions: 5X11

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 151522336006
  • Special condition: None
  • Other equipment: Ceiling Fan(s),Sump Pump

Features

  • Stories: 2
  • Fencing: Fenced

Lot

  • Lot size: 6,098 sqft
  • Lot size dimensions: 55 X111.75

Parking

  • Total spaces: 2
  • Parking features: Gravel,Yes,Detached,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
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
Other
Severe Storm
Straight Line Winds
Tornado

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 $1,011$12,132
Home Insurance *$201$2,412
Property Taxes $313$3,756
Electricity $151$1,823
Total$1,676$20,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$67,040/yr
35% on housing$57,462/yr
40% on housing$50,280/yr
45% on housing$44,693/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$101This listing

vs Other Active Listings

Avg $/sqft

ZIP 61764$89
Livingston County$101

vs Homes Sold Last Month

Median $/sqft

ZIP 61764$108
Livingston County$98

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
2026-07-24Listed for sale$200,000
2016-08-23Sold$101,550

For Sale by Agent

AgentStar Grieff
BrokerageStar Grieff Realty
Phone815-702-7827
View on Zillow

Similar Homes