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454 S 5th St, Watseka, IL, 60970

4beds
2baths
2,470sqft
$150,000
$61price/sqft
$1,286/moest. monthly cost
$51,440/yrincome needed

About This Home

Welcome to a truly special home where timeless craftsmanship meets everyday comfort. Built in 1917, this 2-story residence offers 2,470 square feet of living space filled with original charm and character that is increasingly hard to find. From the moment you arrive, you'll notice the home's classic exterior, mature trees, and prominent corner lot setting. Step inside and you're greeted by rich, original woodwork, including a beautifully preserved staircase that serves as a stunning focal point. The home features four spacious bedrooms and one and a half baths, offering flexibility for families, guests, or home office space. The main level provides inviting living spaces with vintage details, while the screened-in porch offers a peaceful retreat to enjoy warm evenings. The kitchen retains its charm and includes unique built-in features that reflect the home's history. Outside, the detached two-car garage includes a walk-up attic-perfect for storage, a workshop, or future finishing potential. The half-acre lot provides plenty of space to enjoy outdoor living, gardening, or entertaining. Conveniently located near schools, parks, and the hospital, this home combines location, space, and character into one exceptional opportunity. If you appreciate craftsmanship and classic design, this is a home you won't want to miss.

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
50
BikeBikeable

Schools

5/10
Glenn Raymond SchoolGrades 1-50.3 mi
7/10
5/10

Construction

Condition

  • Year built: 1917

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished,Full

Bedroom2

  • Features: Flooring (Hardwood)
  • Level: Second
  • Area: 180
  • Dimensions: 15X12

Bedroom3

  • Features: Flooring (Hardwood)
  • Level: Second
  • Area: 180
  • Dimensions: 12X15

Bedroom4

  • Features: Flooring (Hardwood)
  • Level: Second
  • Area: 132
  • Dimensions: 11X12

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 224
  • Dimensions: 16X14

Family Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 104
  • Dimensions: 13X8

Features

  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Foyer

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 110
  • Dimensions: 11X10

Heating & Cooling

  • Heating features: Steam,Natural Gas
  • Cooling features: Wall Unit(s),Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,470 sqft

Kitchen

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 198
  • Dimensions: 22X9

Laundry

  • Level: Main
  • Area: 88
  • Dimensions: 8X11

Living Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 360
  • Dimensions: 24X15

Master Bedroom

  • Features: Flooring (Hardwood),Bathroom (Full)
  • Level: Second
  • Area: 240
  • Dimensions: 15X16

Other

  • Features: Flooring (Hardwood)
  • Level: Second
  • Area: 72
  • Dimensions: 8X9

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 26052280290000
  • Zoning: SINGL
  • Special condition: None

Features

  • Stories: 2
  • Patio & porch: Deck

Lot

  • Lot size: 0.53 Acres
  • Lot size dimensions: 189X121

Parking

  • Total spaces: 2
  • Parking features: Yes,Garage Owned,Detached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $758$9,096
Home Insurance *$152$1,824
Property Taxes $187$2,244
Electricity $189$2,279
Total$1,286$15,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,091/yr
40% on housing$38,580/yr
45% on housing$34,293/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

$61This listing

vs Other Active Listings

Avg $/sqft

ZIP 60970$91
Iroquois County$144

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
2026-03-31Price change$175,000
2026-02-10Price change$185,000
2026-01-22Listed for sale$199,900

For Sale by Agent

AgentRichard Smith
BrokerageSmith's Real Estate Services,

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