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406 N Gardner St, West Frankfort, IL, 62896

3beds
2baths
1,532sqft
$112,000
$73price/sqft
$1,051/moest. monthly cost
$42,040/yrincome needed

About This Home

This bungalow style single family home offers 3 bedrooms, 1 half bathroom and 1 full bathroom with approximately 1532 square feet of living space on a .15 acre lot. No Buyer Premium on this property. The buyer has the right to select their own title/closing company. The buyer is responsible for all closing costs in this transaction. It is a criminal offense to trespass on this property.

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

--
Denning Elementary SchoolGrades PK-20.6 mi
4/10
Central Jr High SchoolGrades 7-81.5 mi
1/10

Construction

Condition

  • Year built: 1914

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Interior Area

  • Total structure area: 1,532
  • Total interior livable area: 1,532 sqft

Property

Details

  • Parcel number: 1124253004
  • Special condition: Auction

Features

  • Stories: 1

Lot

  • Lot size: 6,534 sqft

Parking

  • Total 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 $566$6,792
Home Insurance *$245$2,940
Property Taxes $110$1,320
Electricity $130$1,569
Total$1,051$12,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$36,034/yr
40% on housing$31,530/yr
45% on housing$28,026/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

$73This 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)

Price History

DateEventPrice
2024-04-05Listing removed--
2024-03-24Listed for sale$114,500
2024-03-15Contingent$114,500
2024-03-13Price change$114,500
2024-03-06Listed for sale$119,500
2024-02-28Contingent$119,500
2024-01-18Listed for sale$119,500
2020-12-15Sold$99,000
2020-12-14Pending sale$100,000
2020-10-30Price change$100,000
2020-10-21Price change$125,000
2020-10-09Listed for sale$135,000

Unknown Listed By

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