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109 W 2nd St, Norris City, IL, 62869

4beds
3baths
3,000sqft
$20,000
$7price/sqft
$371/moest. monthly cost
$14,840/yrincome needed

About This Home

No Contract for deed. No rent to own. No home owner financing. Investor opportunity. Priced to sell! 4 bedrooms can become 5 bedrooms with some drywall. So much space!

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

Construction

Type & Style

  • Home type: SingleFamily

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Interior Area

  • Total interior livable area: 3,000 sqft

Property

Details

  • Parcel number: 1728133001

Lot

  • Lot size: 9,215 sqft

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

  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate

How This Home’s Risks Compare

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

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 $101$1,212
Home Insurance *$24$288
Property Taxes $16$192
Electricity $230$2,768
Total$371$4,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$12,720/yr
40% on housing$11,130/yr
45% on housing$9,893/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

$7This listing

vs Other Active Listings

Avg $/sqft

ZIP 62869
White County$69

vs Homes Sold Last Month

Median $/sqft

ZIP 62869
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
2026-07-07Price change$20,000
2026-06-17Listed for sale$30,000
2026-04-24Listing removed--
2026-03-04Price change$30,000
2026-02-09Listed for sale$34,900

For Sale by Owner

AgentProperty Owner

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