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399 N 5th St, Albion, IL, 62806

3beds
1baths
1,696sqft
$79,900
$47price/sqft
$776/moest. monthly cost
$31,040/yrincome needed

About This Home

This historic home, built in 1840, features superior brick masonry construction with a metal roof and many of its original features! With just under 1,700 square feet of living space, three-to-four bedrooms, three-quarter bath, and tons of character, you'll find this stately residence to be among the most appealing project homes in Edwards County. The property consists of roughly four acres of pastoral land in a bucolic setting at the edge of city limits, and it's further improved with a handsome post frame garage, brick "shed," and older barn. Call Dustin for more details and schedule your private tour of the property today! MLS# 11691677

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

6/10
Albion Grade SchoolGrades PK-80.9 mi
2/10

Construction

Condition

  • Year built: 1840

Materials

  • Roof: Metal
  • Construction materials: Masonry - Brick,Brick Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Oven

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Crawl

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Hardwood
  • Finished area above ground: 0

Heating & Cooling

  • Heating features: Electric,Baseboard,Heat Pump
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,696 sqft

Kitchen

  • Features: Separate

Property

Details

  • Parcel number: 1002226007; 1002226006
  • Lease amount: 0

Features

  • Stories: 2
  • Patio & porch: Deck

Lot

  • Lot size: 3.97 Acres

Parking

  • Total spaces: 2
  • Parking features: Detached
  • 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

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

How This Home’s Risks Compare

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

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 $404$4,848
Home Insurance *$180$2,160
Property Taxes $62$744
Electricity $130$1,569
Total$776$9,312
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,605/yr
40% on housing$23,280/yr
45% on housing$20,693/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$47This listing

vs Other Active Listings

Avg $/sqft

ZIP 62806$63
Edwards County$72

vs Homes Sold Last Month

Median $/sqft

ZIP 62806
Edwards County$38

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

DateEventPrice
2026-04-14Listed for sale$99,900
2023-08-22Sold$80,000
2023-06-13Price change$120,000
2023-05-05Listed for sale$135,000

For Sale by Agent

AgentDustin Hawkins
BrokerageIntegrity Realty & Auctions

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