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1036 E Howard St, Pontiac, IL, 61764

3beds
2baths
1,928sqft
$230,000
$119price/sqft
$1,902/moest. monthly cost
$76,080/yrincome needed

About This Home

If you've been looking for a home that's been truly loved and meticulously maintained, this is the one! This adorable 3-bedroom, 2-bath ranch is conveniently located near schools and just minutes from downtown Pontiac. Owned by the same family for more than 30 years, the pride of ownership is evident from the moment you arrive. The sellers have taken great care of this home with numerous updates already completed for you, including a new boiler (2025), Andersen Renewal exterior doors (2024), hot water heater (2023), updated bathroom fixtures, tub and vanity (2021), roof and gutters (2020), and a brand-new front window. Porches and front sidewalk were coated with TSR in 2020 and the detached garage received new doors as well (2020). The concrete driveway, spacious patio, white vinyl picket fence in the back yard (with a convenient double gate) and privacy fence along the driveway, and storage shed were all added in 2012. Central air was also added in 2012. Inside, you'll love the abundance of storage with built-ins and oversized closets throughout including a large cedar lined closet offering natural protection and timeless charm. The bedrooms are carpeted, but hardwood floors are waiting underneath if that's your style. Cozy up around the wood-burning fireplace during the colder months, or open the French doors and enjoy summer evenings on the large patio overlooking the beautifully landscaped backyard. The oversized tandem 2-car garage provides plenty of room for vehicles, extra storage, and even space to keep firewood close by. From the thoughtful updates to the inviting indoor and outdoor living spaces, this home is ready for its next owners to move in and make it their own. Come see why this one feels like home!

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

5/10
4/10
Pontiac Jr High SchoolGrades 6-80.2 mi
3/10
Pontiac High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1947

Materials

  • Roof: Asphalt
  • Construction materials: Steel Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Double Oven,Dishwasher,Refrigerator,Washer,Dryer,Water Softener Rented,Other,Gas Cooktop

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 168
  • Dimensions: 12X14

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 165
  • Dimensions: 11X15

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Dimensions: COMBO

Features

  • Built-in Features
  • Door features: French Doors
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Living Room
  • Fireplace: Yes
  • Attic: Pull Down Stair

Heating & Cooling

  • Heating features: Steam
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,928
  • Total interior livable area: 1,928 sqft

Kitchen

  • Features: Kitchen (Eating Area-Table Space,Galley),Flooring (Vinyl)
  • Level: Main
  • Area: 140
  • Dimensions: 10X14

Laundry

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 165
  • Dimensions: 11X15

Living Room

  • Features: Flooring (Carpet),Window Treatments (Curtains/Drapes)
  • Level: Main
  • Area: 480
  • Dimensions: 15X32

Master Bedroom

  • Features: Flooring (Carpet),Window Treatments (Curtains/Drapes)
  • Level: Main
  • Area: 224
  • Dimensions: 14X16

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 151523326028
  • Special condition: None
  • Other equipment: Water-Softener Rented

Features

  • Stories: 1
  • Patio & porch: Patio
  • Fencing: Fenced

Lot

  • Lot size: 0.26 Acres
  • Lot size dimensions: 81 x 139

Parking

  • Total spaces: 4
  • Parking features: Garage Door Opener,Tandem,Yes,Garage Owned,Detached,Owned,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Inland Flooding
    Inland FloodingVery 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 $1,163$13,956
Home Insurance *$231$2,772
Property Taxes $360$4,320
Electricity $148$1,779
Total$1,902$22,824
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,211/yr
40% on housing$57,060/yr
45% on housing$50,720/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

$119This listing

vs Other Active Listings

Avg $/sqft

ZIP 61764$88
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
1995-08-16Sold$75,000

For Sale by Agent

AgentShea Temples
BrokerageRE/MAX Rising

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