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129 E Main St, Mount Sterling, IL, 62353

5beds
3baths
2,114sqft
$295,000
$140price/sqft
$2,239/moest. monthly cost
$89,560/yrincome needed

About This Home

Step into historic charm with modern elegance! This stunning custom-brick home blends timeless character with today’s style, preserving original wood trim, beautiful hardwood floors, and a breathtaking fireplace. Inside, you’ll love the spacious, light-filled living areas, updated kitchen, and thoughtful design that stays true to the home’s history. With five bedrooms, three bathrooms, ample storage, and tasteful updates throughout, this home offers both comfort and sophistication. The large, fenced-in yard is perfect for entertaining complete with cozy firepit space and string lights for the perfect ambiance. The detached two-car garage adds convenience. Located in one of the most desirable spots in town, you’re just steps from grocery shopping, incredible restaurants, a convenience store, and more. This is truly a rare find—where historic beauty meets modern living in the perfect location!

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

4/10
5/10
7/10
Brown County High SchoolGrades 9-120.6 mi

Construction

Materials

  • Roof: Shingle
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom1

  • Level: Main
  • Dimensions: 21ft 0in x 10ft 0in

Bedroom2

  • Level: Main
  • Dimensions: 10ft 0in x 7ft 0in

Bedroom3

  • Level: Upper
  • Dimensions: 15ft 0in x 12ft 0in

Bedroom4

  • Level: Upper
  • Dimensions: 14ft 0in x 12ft 0in

Bedroom5

  • Level: Upper
  • Dimensions: 20ft 0in x 13ft 0in

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,114
  • Total interior livable area: 2,114 sqft

Kitchen

  • Level: Main
  • Dimensions: 20ft 0in x 12ft 0in

Main Level

  • Area: 1525

Upper Level

  • Area: 589

Property

Details

  • Parcel number: 0517233014

Features

  • Levels: Two

Lot

  • Lot size: 0.32 Acres
  • Features: Level
  • Lot size dimensions: 120 x 120

Parking

  • Total spaces: 2
  • Parking features: Detached,Gravel
  • 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
  • Heat Wave
    Heat WaveVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Lightning
Strong Wind
Hail
Tornado
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 $1,491$17,892
Home Insurance *$257$3,084
Property Taxes $329$3,948
Electricity $162$1,951
Total$2,239$26,868
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,765/yr
40% on housing$67,170/yr
45% on housing$59,706/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 6.3%
6.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$140This listing

vs Other Active Listings

Avg $/sqft

ZIP 62353$130
Brown County$111

vs Homes Sold Last Month

Median $/sqft

ZIP 62353
Brown County$130

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
2026-03-27Listed for sale$295,000
2026-01-24Listing removed$299,500
2025-09-25Price change$299,500
2025-08-08Listed for sale$315,000

For Sale by Agent

AgentLance Grady
BrokerageLG Realty

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