521 W Water St, Pontiac, IL, 61764
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
Very Walkable
Very Limited Transit
BikeableSchools
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
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Winter Weather
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 | $1,011 | $12,132 |
| Home Insurance * | $201 | $2,412 |
| Property Taxes | $313 | $3,756 |
| Electricity | $151 | $1,823 |
| Total | $1,676 | $20,112 |
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 |
|---|---|---|
| 2026-07-24 | Listed for sale | $200,000 |
| 2016-08-23 | Sold | $101,550 |
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