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119 5th St, Carmi, IL, 62821

4beds
2baths
2,625sqft
$269,500
$103price/sqft
$2,104/moest. monthly cost
$84,160/yrincome needed

About This Home

Beautiful 4-Bedroom Brick Home with Heated 3-Car Garage on Double Lot This beautiful 2,600+ sq ft all-brick home offers 4 bedrooms, 2 bathrooms, and sits on two spacious lots. With two large living areas, abundant storage, and thoughtful upgrades throughout, this home combines comfort, functionality, and charm. Step into the welcoming foyer featuring board and batten wainscoting with convenient hooks—perfect for coats, bags, and everyday organization. The formal living room, located just off the kitchen and dining area, showcases a cozy fireplace with a remote gas log insert, flanked by charming built-in bookshelves that add warmth and character. A standout feature of the home is the expansive second living area (approximately 555 sq ft), highlighted by two full walls of windows that flood the space with natural light. From here, step outside to a covered brick patio complete with perimeter lighting and dual ceiling fans—an ideal space for relaxing or entertaining day or night. Another standout feature is a detached 3-car garage, which is insulated and heated—perfect for year-round use as a workshop, hobby space, or additional storage. The property also includes a 14x14 yard barn with loft, providing even more space for tools, equipment, or organized storage. The backyard features a lush lawn surrounded by a 6-foot vinyl privacy fence installed in 2021 with multiple gates. Inside, you’ll find hardwood and LVT flooring throughout the main living areas, with porcelain tile in the kitchen and dining space. The only carpet in the home is on the staircase and in the upstairs bedroom. The kitchen, completely remodeled in 2015, is thoughtfully designed with solid wood Dream Shop cabinets, solid surface countertops, and numerous custom storage solutions including pull-out drawers, a cookie sheet cabinet, spice cabinet with pivoting shelves, and a butler-style pantry closet. Stainless steel appliances—including a French door refrigerator, glass-top electric stove, microwave, and dishwasher—are all included. The upstairs bedroom makes a perfect kid’s room or creative space, featuring built-in cabinets, a desk area, and a uniquely designed ceiling. A walk-in attic across the hall provides additional partially floored storage. On the main level, the front bedroom features charming painted knotty pine walls and a cedar-lined closet. Two additional bedrooms offer comfortable layouts, including the private primary bedroom located at the end of the hallway, complete with a walk-in closet with automatic lighting. The fully remodeled in 2024 bathroom includes a subway-tiled shower with niche and frameless glass door, a heated whirlpool tub, built-in shelving, and a double vanity with modern conveniences such as outlets, USB ports, and custom storage. Recessed mirrored medicine cabinets and a radiator towel rack complete the space. The unfinished basement offers approximately 1,400 sq ft of additional space, including a laundry area, mechanical room, craft room, game room, workout area, and office—providing endless possibilities for customization. A B-Dry sump pump with battery backup adds peace of mind. All new plumbing & water heater in 2023. There’s also a newer water softener. Additional features include a transferable termite and pest protection plan in place since 2015. This beautiful, well-maintained home is being sold as-is. Inspections are welcomed for buyer knowledge.

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

6/10
5/10
3/10

Construction

Condition

  • Year built: 1940

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Garbage disposal,Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Hardwood,Laminate
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Radiant,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,625 sqft

Property

Details

  • Parcel number: 1313354032

Features

  • Exterior features: Brick
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 0.33 Acres

Parking

  • Total spaces: 7
  • Parking features: Garage - Detached,Off-street,On-street

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 $1,362$16,344
Home Insurance *$315$3,780
Property Taxes $226$2,712
Electricity $201$2,422
Total$2,104$25,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,137/yr
40% on housing$63,120/yr
45% on housing$56,106/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

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 62821$73
White County$64

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
2026-04-20Listed for sale$284,000
2015-04-03Sold$160,000

For Sale by Owner

AgentProperty Owner

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