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215 3rd St, Carmi, IL, 62821

4beds
4baths
2,828sqft
$225,000
$80price/sqft
$1,806/moest. monthly cost
$72,240/yrincome needed

About This Home

Nestled on one of Carmi's most picturesque streets, this exceptional property boasts spacious rooms and ample space. Featuring a stunning 42X38 Pole Barn with finished living space, this property is sure to impress. As you enter the main house, you're greeted by a beautiful foyer opening up to the spacious living room. Perfect for entertaining or relaxing with loved ones, the living room is connected to the dining and family rooms. Also on the main level you'll discover a versatile office space, offering views of the beautiful glassed-in atrium—ideal for a potential extra bedroom if needed. Venture upstairs to find an expansive spare bedroom that was originally two rooms. With a simple modification, this space can easily revert back to two separate bedrooms! The primary bedroom is a true retreat, boasting an oversized layout complete with a one-of-a-kind built-in dressing room and a private full bathroom. The home also offers a spacious basement, providing ample storage and an extra layer of protection against storms. Step outside to discover the stunning pole barn constructed in 2015! This impressive structure can accommodate up to six cars and is perfect for hosting family gatherings or events. The upper level of the barn is a finished apartment, featuring a living room, full kitchen, bathroom, and a cozy bedroom. All of this sits on a double lot, with a generous yard for activities and relaxation. Don’t miss your chance to own this beautiful home with endless potential!

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

6/10
5/10
3/10

Construction

Condition

  • Year built: 1941

Materials

  • Roof: Shingle,Metal
  • Construction materials: Brick

Type & Style

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

Interior

Additional Level

  • Area: 1200

Additional Room

  • Level: Upper
  • Dimensions: 10ft 0in x 9ft 0in

Additional Room2

  • Level: Upper
  • Dimensions: 19ft 0in x 12ft 5in

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom1

  • Level: Upper
  • Dimensions: 18ft 0in x 15ft 0in

Bedroom2

  • Level: Upper
  • Dimensions: 25ft 0in x 12ft 0in

Bedroom3

  • Level: Main
  • Dimensions: 11ft 0in x 12ft 0in

Bedroom4

  • Level: Additional
  • Dimensions: 15ft 0in x 10ft 0in

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Family Room

  • Level: Main
  • Dimensions: 24ft 0in x 15ft 0in

Features

  • Number of fireplaces: 2
  • Fireplace: Yes

Heating

  • Heating features: Baseboard

Interior Area

  • Total structure area: 2,828
  • Total interior livable area: 2,828 sqft

Kitchen

  • Level: Main
  • Dimensions: 15ft 0in x 11ft 0in

Living Room

  • Level: Main
  • Dimensions: 24ft 0in x 15ft 0in

Main Level

  • Area: 1516

Other

  • Level: Main
  • Dimensions: 12ft 0in x 11ft 0in

Upper Level

  • Area: 1312

Property

Details

  • Parcel number: 1313327010

Features

  • Levels: Two
  • Patio & porch: Patio

Lot

  • Lot size: 0.33 Acres
  • Features: Corner Lot,Level
  • Lot size dimensions: 100 x 142

Parking

  • Total spaces: 6
  • Parking features: Attached,Detached,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6

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
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $1,137$13,644
Home Insurance *$263$3,156
Property Taxes $189$2,268
Electricity $217$2,610
Total$1,806$21,672
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,920/yr
40% on housing$54,180/yr
45% on housing$48,160/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$80This listing

vs Other Active Listings

Avg $/sqft

ZIP 62821$75
White County$65

vs Homes Sold Last Month

Median $/sqft

ZIP 62821
White County$76

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
2026-05-14Price change$225,000
2026-03-11Price change$250,000
2026-02-07Listed for sale$279,900
2026-01-29Listing removed$279,900
2025-09-05Price change$279,900
2025-05-31Listed for sale$289,900

For Sale by Agent

AgentHaley Jamison
BrokerageHOUSE 2 HOME REALTY

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