1890 Lackey Ln, Centralia, IL, 62801
About This Home
Tucked along the shores of a quiet, low-speed lake, this charming 1-bedroom cottage offers the perfect blend of modern comfort and relaxed lakefront living. Fully renovated in 2023, the home features stylish updates throughout while maintaining its cozy cottage character. Designed to comfortably sleep up to 4 guests, the layout is ideal for weekend getaways, vacation rental potential, or year-round enjoyment. Inside, you'll find a bright and inviting living space, updated finishes, and a thoughtfully refreshed kitchen and bath. Large windows bring in natural light and peaceful lake views, creating a warm and welcoming atmosphere. Outside, enjoy calm waters perfect for fishing, slow motorboating, kayaking, canoeing, paddleboarding, and other paddle-operated watercraft. With the lake's low-speed restrictions, you can enjoy a quieter, safer environment without heavy boat traffic or noise. Whether you're looking for a peaceful retreat, an investment opportunity, or a turnkey waterfront escape, this beautifully renovated cottage is ready to enjoy from day one.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1945
Materials
- Foundation: Block,Pillar/Post/Pier
- Roof: Metal
- Construction materials: Shake Siding,Stone,Wood Siding
Notable Dates
- Major remodel year: 2023
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Range,Dishwasher,Refrigerator
- Laundry features: Main Level,Electric Dryer Hookup,In Bathroom
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Family Room
- Features: Flooring (Bamboo),Window Treatments (Double Pane Windows,Wood Frames)
- Level: Main
- Area: 377
- Dimensions: 29X13
Features
- 1st Floor Bedroom,Walk-In Closet(s),Dining Combo
- Door features: Panel Door(s),Sliding Glass Door(s)
- Window features: Window Treatments,Double Pane Windows
- Flooring: Hardwood
- Number of fireplaces: 1
- Fireplace features: Insert,Living Room
- Fireplace: Yes
- Attic: Pull Down Stair
Foyer
- Features: Flooring (Bamboo),Window Treatments (Double Pane Windows)
- Level: Main
- Area: 70
- Dimensions: 14X5
Heating & Cooling
- Heating features: Electric,Zoned
- Cooling features: Zoned
Interior Area
- Total structure area: 1,170
- Total interior livable area: 1,170 sqft
Kitchen
- Features: Flooring (Bamboo)
- Level: Main
- Area: 63
- Dimensions: 9X7
Living Room
- Features: Flooring (Bamboo)
- Level: Main
- Area: 195
- Dimensions: 15X13
Master Bedroom
- Features: Flooring (Bamboo),Window Treatments (Double Pane Windows,Window Treatments)
- Level: Main
- Area: 221
- Dimensions: 17X13
Walk In Closet
- Features: Flooring (Bamboo)
- Level: Main
- Area: 40
- Dimensions: 8X5
Property
Accessibility
- Accessibility features: No Disability Access
Details
- Parcel number: 1410327012
- Special condition: None
Features
- Stories: 1
- Patio & porch: Patio
- Has view: Yes
- View description: Water,Back of Property,Side(s) of Property
- Has water view: Yes
- Water view: Water,Back of Property,Side(s) of Property
- On waterfront: Yes
- Waterfront features: Lake Front,Waterfront
Lot
- Lot size: 0.71 Acres
- Features: Mature Trees,Sloped
Parking
- Total spaces: 4
- Parking features: Gravel,Yes,Other
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
- Winter Weather
- Hail
- Inland Flooding
- Lightning
- Tornado
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 | $1,157 | $13,884 |
| Home Insurance * | $436 | $5,232 |
| Property Taxes | $293 | $3,516 |
| Electricity | $130 | $1,569 |
| Total | $2,016 | $24,192 |
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 |
|---|---|---|
| 2026-05-22 | Listed for sale | $229,000 |
| 2020-10-01 | Sold | $45,000 |
| 2020-09-01 | Pending sale | $49,900 |
| 2020-08-14 | Listed for sale | $49,900 |
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