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1204 W Oak St, West Frankfort, IL, 62896

4beds
2baths
2,100sqft
$129,000
$61price/sqft
$1,221/moest. monthly cost
$48,840/yrincome needed

About This Home

Welcome to this spacious 4-bedroom, 2-bath home situated on a large corner lot with plenty of room to enjoy. Freshly painted throughout, this home offers a clean, updated feel and is ready for its next owners. A standout feature is the separate 1-bedroom, 1-bath apartment, currently occupied by a renter, providing immediate income potential or the perfect space for guests or extended family. The property also includes a one-car garage and the added convenience of a corner lot with extra outdoor space. Whether you're looking for a primary residence with rental income or a smart investment opportunity, this property offers endless possibilities.

Getting Around

51
WalkingSomewhat Walkable
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

--
Denning Elementary SchoolGrades PK-20.6 mi
4/10
Central Jr High SchoolGrades 7-82.0 mi
1/10

Construction

Condition

  • Year built: 1940

Materials

  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Dishwasher

Basement

  • Has basement: Yes
  • Basement: Unfinished,Full

Bedroom2

  • Level: Main
  • Area: 132
  • Dimensions: 11X12

Bedroom3

  • Level: Second
  • Area: 182
  • Dimensions: 13X14

Bedroom4

  • Level: Second
  • Area: 182
  • Dimensions: 13X14

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main
  • Dimensions: COMBO

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,100 sqft

Kitchen

  • Level: Main
  • Area: 165
  • Dimensions: 11X15

Laundry

  • Level: Main
  • Area: 77
  • Dimensions: 7X11

Living Room

  • Level: Main
  • Area: 169
  • Dimensions: 13X13

Master Bedroom

  • Level: Main
  • Area: 182
  • Dimensions: 13X14

Property

Details

  • Parcel number: 1124311004
  • Special condition: None

Features

  • Stories: 2

Lot

  • Lot size: 0.28 Acres
  • Lot size dimensions: 100x121

Parking

  • Total spaces: 1
  • Parking features: Yes,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
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Illinois Counties

Flood

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 $652$7,824
Home Insurance *$282$3,384
Property Taxes $126$1,512
Electricity $161$1,938
Total$1,221$14,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,862/yr
40% on housing$36,630/yr
45% on housing$32,560/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: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$61This listing

vs Other Active Listings

Avg $/sqft

ZIP 62896$77
Franklin County$83

vs Homes Sold Last Month

Median $/sqft

ZIP 62896
Franklin County$70

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
2026-08-10Pending sale$129,000
2026-08-03Price change$129,000
2026-07-28Listed for sale$135,000
2023-03-20Sold$94,000
2023-01-30Contingent$94,000
2023-01-05Price change$94,000
2022-10-26Price change$99,000
2022-10-06Price change$104,000
2022-09-17Price change$109,000
2022-08-01Price change$117,000
2022-07-13Listed for sale$119,000

For Sale by Agent

AgentKimberly Desett
BrokerageHeavenly Homes Real Estate

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