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301 W Center St, Fairfield, IL, 62837

5beds
2baths
3,983sqft
$285,000
$72price/sqft
$3,141/moest. monthly cost
$125,640/yrincome needed

About This Home

This stunning and well-preserved historical home blends timeless charm with thoughtful modern upgrades. Featuring original wood trim, stained glass windows, pocket doors, and soaring high ceilings, this 5-bedroom, 2-bath home offers both beauty and functionality. Large closets and convenient laundry shoots add everyday practicality to the classic design. Step outside to your own private oasis-relax by the above-ground pool, entertain guests on the composite deck, and enjoy evenings at the outdoor bar and patio area. The partially fenced yard is surrounded by mature trees, beautiful landscaping, and even a raised bed garden ready for your green thumb. A detached carriage house provides a 1-car garage and a rec room above, perfect for a home office, studio, or guest space. Additional features include a whole-house generator, a storage shed for tools and equipment, and plenty of space to enjoy outdoor living year-round. This one-of-a-kind property offers the charm of a historic home with all the extras you've been looking for. Don't miss your chance to see it!

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

7/10
7/10

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Refrigerator,Microwave,Oven,Washer,Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood,Carpet
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 3,983

Heating & Cooling

  • Heating features: Geothermal
  • Cooling features: Central

Interior Area

  • Total structure area: 3,983
  • Total interior livable area: 3,983 sqft

Property

Details

  • Parcel number: 2150046012
  • Lease amount: 0

Features

  • Pool features: Above Ground,Size(17'x 25')
  • Patio & porch: Patio,Covered Porch,Deck
  • Exterior features: Utilities
  • Fencing: Fenced
  • Frontage length: 0

Lot

  • Features: Corner,Pool,Trees

Parking

  • Total spaces: 1
  • Parking features: Driveway,Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Heat Wave
    Heat WaveVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively 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

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

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 $1,441$17,292
Home Insurance *$1,057$12,684
Property Taxes $337$4,044
Electricity $306$3,676
Total$3,141$37,692
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,691/yr
40% on housing$94,230/yr
45% on housing$83,760/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: -4.0%
-4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$72This listing

vs Other Active Listings

Avg $/sqft

ZIP 62837$86
Wayne County$87

vs Homes Sold Last Month

Median $/sqft

ZIP 62837
Wayne County$32

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
2026-01-24Listed for sale$285,000
2026-01-11Listing removed$285,000
2025-07-12Listed for sale$285,000

For Sale by Agent

AgentKatie Matthews
BrokerageKeys Real Estate

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