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521 N Locust St, Flora, IL, 62839

5beds
2baths
2,691sqft
$299,000
$111price/sqft
$2,379/moest. monthly cost
$95,160/yrincome needed

About This Home

The story of this remarkable home begins at an apple orchard north of town, where it was originally built and later brought to Flora to stand as a true one-of-a-kind residence. Built in 1900, this stunning 2,700 sq. ft. Victorian blends timeless character with beautiful modern style, offering a living experience unlike any other. If you love the outdoors, this property will immediately feel like home. Enjoy a heated pool, a private patio with two built-in fire pits, and gorgeous landscaping throughout. The expansive wrap-around deck overlooks the play area to the west and the pool to the south, seamlessly flowing into the wrap-around porch that encircles the east and north sides of the home. Entertaining or relaxing outside has never been easier or more enjoyable. Inside, the custom kitchen and family room are extraordinary, featuring polished stone countertops, custom cabinetry, vaulted ceilings, and French doors from both the family room and dining room that open directly onto the deck. The main bathroom is a true showstopper-designed to feel like a high-end spa with elegant finishes and thoughtful details. Every room reflects quality craftsmanship, from the stone fireplace in the living room to the tray ceiling in the upstairs bedroom and the second-floor balcony overlooking the pool. Additional luxury continues with the finished two-car garage complete with heat and air. Even during a storm, you'll stay comfortable and secure with your own home generator.

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
54
BikeBikeable

Schools

6/10
Flora Elementary SchoolGrades PK-50.8 mi
8/10
6/10
Flora High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Block
  • Construction materials: Vinyl Siding,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Unfinished,Cellar,Egress Window,Partial

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 144
  • Dimensions: 12X12

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 156
  • Dimensions: 12X13

Bedroom4

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 224
  • Dimensions: 14X16

Bedroom5

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 132
  • Dimensions: 11X12

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Flooring (Tile)
  • Level: Main
  • Area: 187
  • Dimensions: 11X17

Family Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 168
  • Dimensions: 12X14

Features

  • Vaulted Ceiling(s),Replacement Windows
  • Window features: Replacement Windows,Window Treatments
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes

Foyer

  • Features: Flooring (Tile)
  • Level: Main
  • Area: 42
  • Dimensions: 6X7

Heating & Cooling

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

Interior Area

  • Total structure area: 120
  • Total interior livable area: 2,691 sqft

Kitchen

  • Features: Kitchen (Eating Area-Breakfast Bar,Island),Flooring (Tile)
  • Level: Main
  • Area: 255
  • Dimensions: 15X17

Laundry

  • Features: Flooring (Tile)
  • Level: Main
  • Area: 70
  • Dimensions: 7X10

Living Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 255
  • Dimensions: 15X17

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full)
  • Level: Main
  • Area: 180
  • Dimensions: 12X15

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 1025137005
  • Special condition: None

Features

  • Stories: 2

Lot

  • Lot size: 0.33 Acres
  • Features: Corner Lot,Other

Parking

  • Total spaces: 2
  • Parking features: Gravel,Garage Door Opener,Yes,Detached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

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 $1,511$18,132
Home Insurance *$359$4,308
Property Taxes $303$3,636
Electricity $206$2,483
Total$2,379$28,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,565/yr
40% on housing$71,370/yr
45% on housing$63,440/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: 14.3%
14.3%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -11.3%
-11.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$111This listing

vs Other Active Listings

Avg $/sqft

ZIP 62839$80
Clay County$65

vs Homes Sold Last Month

Median $/sqft

ZIP 62839
Clay County$71

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
2026-05-02Price change$325,000
2026-02-25Price change$349,500
2025-11-22Listed for sale$375,000
2006-11-17Sold$110,000

For Sale by Agent

AgentPhil Wiley
BrokerageWILEY REALTY GROUP

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