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307 S Mill St, Greenup, IL, 62428

2beds
1baths
1,056sqft
$122,000
$116price/sqft
$997/moest. monthly cost
$39,880/yrincome needed

About This Home

Enjoy the charm of small-town living with the convenience of easy access to major highways in this inviting 2-bedroom, 1-bath home. Offering spacious rooms throughout, this property provides a comfortable layout with endless potential to make it your own. The kitchen includes appliances that will remain with the home, and the laundry area is conveniently located just off the kitchen for added functionality. There is also space available for a new over-the-range microwave, as the previous unit has been removed. Outside, you’ll find a single-car garage and a fenced yard perfect for pets, play, or outdoor entertaining. Priced with opportunity in mind, this home allows buyers the freedom to personalize flooring and paint selections to match their own style and vision. Please note the carpet in the smaller bedroom is in need of replacement, making this a great opportunity for buyers looking to add their own updates and finishing touches. Added peace of mind comes from the fact that the roof, furnace, central air conditioning, and water heater have all been updated and are not original to the home. With affordable ownership potential, this home could be much cheaper than renting while allowing you to build equity and create a space truly your own. Will not last long at this price in today's market!

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

4/10
Cumberland Middle SchoolGrades 5-81.8 mi
6/10
Cumberland High SchoolGrades 9-121.8 mi
8/10

Construction

Condition

  • Year built: 1981

Materials

  • Foundation: Crawlspace
  • Roof: Asphalt,Composition,Fiberglass,Shingle
  • Construction materials: Aluminum Siding,Brick,Masonite,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Water Heater,Range,Refrigerator
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Main Level Primary
  • Finished area above ground: 1,056

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,056
  • Total interior livable area: 1,056 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Main

Property

Details

  • Parcel number: 1311106008
  • Zoning: R-1
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Fence
  • Fencing: Yard Fenced

Lot

  • Lot size: 10,018 sqft

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Drought
    DroughtRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Drought
Strong Wind
Winter Weather
Earthquake
Hail
Heat Wave
Inland Flooding
Ice Storm
Lightning

FEMA Declared Disasters Across Illinois Counties

Flood
Severe Storm

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 $616$7,392
Home Insurance *$123$1,476
Property Taxes $128$1,536
Electricity $130$1,569
Total$997$11,964
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$34,182/yr
40% on housing$29,910/yr
45% on housing$26,586/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: 8.3%
8.3%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -6.0%
-6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$116This listing

vs Other Active Listings

Avg $/sqft

ZIP 62428$158
Cumberland County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 62428$114
Cumberland County$116

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
2026-05-10Listed for sale$109,900
2026-05-08Listing removed$124,900
2026-05-06Listed for sale$124,900
2021-12-03Sold$70,000
2021-12-03Pending sale$74,900
2021-11-03Contingent$74,900
2021-11-01Listed for sale$74,900

For Sale by Agent

AgentDebbie Warman
BrokerageAll-American Realty

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