11020 E Lake Edward Ln, Effingham, IL, 62401
About This Home
Welcome home to this beautifully maintained 4 bedroom, 3 bath residence offering over 3,700 square feet of finished living space with an open concept design and a perfect layout for both everyday living and entertaining. A spacious front porch creates a warm first impression and the perfect place to relax. Inside, the living room features soaring vaulted ceilings and a cozy gas fireplace, flowing seamlessly into the kitchen to create an inviting, connected space filled with natural light. The kitchen shines with new appliances, combining modern function with timeless appeal. With four generously sized bedrooms and three full baths, there is room for everyone. The full finished basement offers incredible flexibility, ideal for a media room, home office, gym, or guest retreat. Major 2022 improvements include a new roof, new siding, fresh exterior paint, updated fireplace, and a new sump pump with battery backup. Move-in ready and beautifully updated, this home offers space, quality, and comfort all in one.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2009
Materials
- Foundation: Basement
- Roof: Shingle
- Construction materials: Brick,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Gas Water Heater,Microwave,Range,Refrigerator
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Finished,Full
Bedroom
- Level: Main
Bedroom
- Level: Main
Bedroom
- Level: Basement
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Den
- Level: Basement
Dining Room
- Level: Main
Family Room
- Level: Basement
Features
- Bath in Primary Bedroom,Main Level Primary
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area below ground: 1,717
- Finished area above ground: 2,039
Game Room
- Level: Basement
Gym
- Level: Basement
Heating & Cooling
- Heating features: Floor Furnace,Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 3,756
- Total interior livable area: 3,756 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Living Room
- Level: Main
Office
- Level: Basement
Other
- Level: Main
Other
- Level: Basement
Primary Bathroom
- Level: Main
Primary Bedroom
- Level: Main
Property
Details
- Parcel number: 1107133001
- Zoning: RES
- Special condition: None
Features
- Levels: One
- Stories: 1
Lot
- Lot size: 0.59 Acres
Parking
- Total spaces: 2
- Parking features: Attached,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
- Drought
- Strong Wind
- Tornado
- Winter Weather
- Earthquake
- Hail
- Heat Wave
- Inland Flooding
- Ice Storm
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 | $2,326 | $27,912 |
| Home Insurance * | $327 | $3,924 |
| Property Taxes | $525 | $6,300 |
| Electricity | $288 | $3,466 |
| Total | $3,466 | $41,592 |
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 |
|---|---|---|
| 2026-05-04 | Price change | $475,000 |
| 2026-04-14 | Price change | $485,000 |
| 2026-03-30 | Listed for sale | $499,900 |
| 2026-03-24 | Contingent | $499,900 |
| 2026-03-14 | Price change | $499,900 |
| 2026-02-20 | Listed for sale | $509,999 |
| 2023-06-09 | Sold | $415,500 |
| 2023-05-19 | Pending sale | $404,900 |
| 2023-05-07 | Contingent | $404,900 |
| 2023-04-28 | Price change | $404,900 |
| 2023-04-17 | Price change | $429,900 |
| 2023-04-11 | Price change | $454,900 |
| 2023-04-05 | Listed for sale | $465,000 |
| 2023-03-31 | Listing removed | -- |
| 2023-03-27 | Price change | $449,000 |
| 2023-03-24 | Listed for sale | $489,000 |
| 2019-10-03 | Listing removed | $288,900 |
| 2019-10-02 | Listed for sale | $288,900 |
| 2019-09-30 | Sold | $280,000 |
| 2019-08-16 | Pending sale | $288,900 |
| 2019-07-29 | Price change | $288,900 |
| 2019-07-09 | Price change | $289,900 |
| 2019-06-12 | Price change | $294,900 |
| 2019-04-19 | Listed for sale | $299,000 |
| 2017-08-17 | Sold | $255,000 |
| 2017-07-06 | Pending sale | $269,900 |
| 2017-02-17 | Listed for sale | $274,900 |
| 2014-05-13 | Sold | $245,000 |
| 2010-07-20 | Sold | $235,000 |
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