11284 E Lincolnshire Ln, Effingham, IL, 62401
About This Home
Welcome to this stunning lakeside retreat in the desirable Lake Edward subdivision of Effingham, IL. Beautiful setting with a circle drive, you're met with lovely perennials and a charming entry to the home. Once inside, you'll find you are welcomed with the elegant formal dining and living rooms that provide the perfect space for entertaining, while the cozy gas and wood fireplaces add warmth and charm. This magnificent property boasts 3-4 spacious bedrooms and 3.5 bathrooms, full walk out basement, all of which are perfect for accommodating a growing family or hosting guests. Situated on two sprawling lots right on the water's edge, this home offers panoramic views and serene tranquility. Step outside onto the wrap-around deck and immerse yourself in the beauty of nature that surrounds you. Whether you're enjoying a morning cup of coffee or hosting a summer barbecue, this outdoor space is sure to impress. Don't miss out on this rare opportunity to own your own piece of paradise.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1997
Materials
- Foundation: Basement
- Roof: Shingle
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Cooktop,Dishwasher,Disposal,Gas Water Heater,Range,Refrigerator
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Finished,Unfinished,Walk-Out Access,Full
Bedroom
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Dining Room
- Level: Main
Family Room
- Level: Basement
Family Room
- Level: Main
Features
- Fireplace,Bath in Primary Bedroom,Main Level Primary,Walk-In Closet(s)
- Number of fireplaces: 3
- Fireplace features: Gas,Wood Burning
- Fireplace: Yes
- Finished area below ground: 1,268
- Finished area above ground: 3,027
Great Room
- Level: Upper
Heating & Cooling
- Heating features: Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 4,295
- Total interior livable area: 4,295 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Living Room
- Level: Main
Office
- Level: Main
Primary Bathroom
- Level: Main
Property
Details
- Parcel number: 1107133057
- Zoning: RES
- Special condition: None
Features
- Levels: One
- Stories: 1
- Patio & porch: Patio,Deck
- Exterior features: Deck,Sprinkler/Irrigation,Shed,Workshop
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- Waterfront features: Lake Privileges
- Waterbody name: Edward
- Frontage type: Waterfront
Lot
- Lot size: 1.94 Acres
Parking
- Total spaces: 4
- Parking features: Attached,Detached,Garage
- Has garage: Yes
- Attached garage spaces: 4
- Covered spaces: 4
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 | $4,045 | $48,540 |
| Home Insurance * | $570 | $6,840 |
| Property Taxes | $913 | $10,956 |
| Electricity | $330 | $3,964 |
| Total | $5,858 | $70,296 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-02-26 | Listed for sale | $844,900 |
| 2026-02-05 | Pending sale | $844,900 |
| 2026-01-02 | Listed for sale | $844,900 |
| 2025-10-09 | Contingent | $844,900 |
| 2025-01-08 | Listed for sale | $844,900 |
| 2024-12-15 | Listing removed | $844,900 |
| 2024-09-13 | Price change | $844,900 |
| 2024-08-01 | Listed for sale | $849,900 |
| 2024-07-24 | Listing removed | -- |
| 2024-06-12 | Price change | $849,900 |
| 2024-04-05 | Listed for sale | $869,900 |
| 2008-03-19 | Sold | $445,000 |
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