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3550 E Bishop Rd, Mt Vernon, IL, 62864

5beds
3baths
4,084sqft
$530,000
$130price/sqft
$4,394/moest. monthly cost
$175,760/yrincome needed

About This Home

Mix grace, elegance and comfort and you just described this home. Start in the chef's kitchen which has been well thought out by the homeowner and a professional designer. Here you will find functional cabinetry, solid surfaces, top of the line appliances, including an induction stove top (cookware will remain). Enjoy breakfast or a casual evening meal in the adjoining dining area large enough for 8. You may access the spacious deck from here to enjoy the peace of nature even if it's a bit cool. The fire pit is propane fueled making it so easy to enjoy a cozy evening! By the way, the patio furniture remains. If you love to read or indulge in other types of media, put your feet up in the library and soak it in. If you desire a formal dining area in addition to the informal area, the library space is easily converted to do just that. Dine in a space which is suffused with your books/media/art. The living room is absolutely alight with floor to ceiling windows dressed in beautiful draperies. The primary suite is on the main floor and provides a spacious walk-in closet with plenty of shelving, a soaking tub and large shower. The main floor also hosts a guest bath and bedroom. This bedroom is graced with a beautiful arched window. Finally, the main floor houses the well-appointed laundry room with storage, hanging space and folding surfaces. The finished basement clearly does not feel like a basement. Three guest rooms have large windows and share a full bathroom. Enjoy many fun evenings in the large recreational room. You will find another finished room in the basement which can be used for storage, game room, hangout space, study, etc. The mechanical room, which houses the Geothermal system and two hot water heaters, is in the basement. Sonitol provides motion sensor coverage for a quarterly fee. All the hardware for this service remains with the home. This home has been well cared for, and it shows!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

2/10
4/10
--
Mount Vernon High SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Vinyl Siding,Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Multiple Water Heaters,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom2

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 156
  • Dimensions: 13X12

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 143
  • Dimensions: 11X13

Bedroom4

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 120
  • Dimensions: 10X12

Bedroom6

  • Level: Basement
  • Area: 96
  • Dimensions: 12X8

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 132
  • Dimensions: 12X11

Family Room

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 550
  • Dimensions: 25X22

Features

  • Attic: Pull Down Stair
  • Finished area below ground: 1,902

Game Room

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 238
  • Dimensions: 17X14

Heating & Cooling

  • Heating features: Geothermal
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,084
  • Total interior livable area: 4,084 sqft

Kitchen

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 336
  • Dimensions: 14X24

Laundry

  • Level: Main
  • Area: 432
  • Dimensions: 18X24

Library

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 132
  • Dimensions: 12X11

Living Room

  • Features: Flooring (Luxury Vinyl),Window Treatments (Double Pane Windows,Curtains/Drapes)
  • Level: Main
  • Area: 360
  • Dimensions: 20X18

Master Bedroom

  • Features: Flooring (Luxury Vinyl),Bathroom (Full)
  • Level: Main
  • Area: 210
  • Dimensions: 15X14

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0624126006
  • Special condition: None
  • Other equipment: Ceiling Fan(s),Sump Pump,Radon Mitigation System

Features

  • Patio & porch: Deck

Lot

  • Lot size: 1.36 Acres
  • Lot size dimensions: 192x309

Parking

  • Total spaces: 6
  • Parking features: Concrete,Garage Door Opener,Yes,Attached,Side Apron,Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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

  • Earthquake
    EarthquakeRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Heat Wave
Lightning

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 $2,679$32,148
Home Insurance *$704$8,448
Property Taxes $697$8,364
Electricity $314$3,769
Total$4,394$52,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$150,651/yr
40% on housing$131,820/yr
45% on housing$117,173/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: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$130This listing

vs Other Active Listings

Avg $/sqft

ZIP 62864$86
Jefferson County$94

vs Homes Sold Last Month

Median $/sqft

ZIP 62864$98
Jefferson County$118

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
2026-05-12Price change$545,000
2026-04-11Listed for sale$570,000
2016-07-06Sold$330,000
2006-05-11Sold$32,000

For Sale by Agent

AgentDEBRA SMITH, GRI
BrokerageKing City Property Brokers

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