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320 E Lincoln Ave, Watseka, IL, 60970

3beds
2baths
1,800sqft
$184,900
$103price/sqft
$1,490/moest. monthly cost
$59,600/yrincome needed

About This Home

Fantastic opportunity to own this secluded home, tucked away within the subdivision on an impressive 0.63-acre lot. A long private driveway welcomes you to this peaceful setting, offering privacy, a large fenced backyard, and plenty of room for gardening, entertaining, or outdoor activities. Numerous updates including new siding, windows, and water heater (2016), a beautifully remodeled second-floor bathroom (2019) featuring a jetted tub and custom cabinetry, and new ceramic tile in the kitchen and office (2019) with the added comfort of in-floor radiant heat. There is hot water, baseboard heat throughout the home as well. The kitchen was further refreshed in 2023 with updated cabinet fronts and many new drawer fronts. Additional improvements include a new roof (2021), wood laminate flooring in the living and dining rooms (2025), and new luxury vinyl plank flooring in the second-floor hallway (2026). through one closet in the bedroom is a door that leads to the attic allowing for great storage. The oversized garage offers more than just parking-it includes a spacious workshop that has been well enjoyed and provides endless possibilities for hobbies, storage, or projects. Call today to schedule your appointment to view this private retreat with many updates and a spacious lot.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

7/10
5/10

Construction

Condition

  • Year built: 1963

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2019

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Water Softener Owned,Electric Cooktop,Gas Water Heater
  • Laundry features: Main Level,Gas Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Features: Flooring (Vinyl)
  • Level: Second
  • Area: 154
  • Dimensions: 14X11

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 156
  • Dimensions: 13X12

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 210
  • Dimensions: 15X14

Features

  • 1st Floor Full Bath,Dining Combo
  • Flooring: Laminate,Carpet

Heating & Cooling

  • Heating features: Steam,Baseboard
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,800 sqft

Kitchen

  • Features: Kitchen (Eating Area-Breakfast Bar,Eating Area-Table Space),Flooring (Ceramic Tile)
  • Level: Main
  • Area: 299
  • Dimensions: 13X23

Living Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 270
  • Dimensions: 18X15

Master Bedroom

  • Features: Flooring (Wood Laminate)
  • Level: Second
  • Area: 143
  • Dimensions: 13X11

Office

  • Features: Flooring (Ceramic Tile)
  • Level: Main
  • Area: 156
  • Dimensions: 12X13

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 26041040060000
  • Zoning: SINGL
  • Special condition: None
  • Other equipment: Water-Softener Owned,Ceiling Fan(s)

Features

  • Stories: 1
  • Patio & porch: Deck,Patio
  • Exterior features: Lighting
  • Fencing: Fenced

Lot

  • Lot size: 0.60 Acres
  • Features: Mature Trees
  • Lot size dimensions: 50 x 150 x 120 x 116 x 170 x 265.5

Parking

  • Total spaces: 2.5
  • Parking features: Asphalt,Yes,Garage Owned,Detached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

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 WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $934$11,208
Home Insurance *$187$2,244
Property Taxes $231$2,772
Electricity $138$1,661
Total$1,490$17,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,085/yr
40% on housing$44,700/yr
45% on housing$39,733/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
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 60970$88
Iroquois County$143

vs Homes Sold Last Month

Median $/sqft

ZIP 60970
Iroquois County$95

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
2026-07-25Listed for sale$184,900

For Sale by Agent

AgentLisa Sanford, CRS,GRI
BrokerageBerkshire Hathaway HomeServices Speckman Realty

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