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119 W 2nd St, Flora, IL, 62839

1beds
4baths
2,849sqft
$144,000
$51price/sqft
$1,265/moest. monthly cost
$50,600/yrincome needed

About This Home

So Many Possibilities At Such An Affordable Price! This property has a studio apartment that can be occupied with a special use variance or expanded to a single residence or converted to a multi-family. Loved with pride by the same family for almost 50 years now, priced at less than $53 per sq. ft., the pictures will show you that this 2849 Sq. Ft. property has never had less than flawless maintenance. Both "2" HVAC System and the Roof should have a great lifespan left. Last used as an exceptionally successful Dental Practice, the family has decided it was time to retire and enjoy life. Inside, you have a large waiting/reception area, an appointment/patient record area, 4 patient rooms, 4 rest rooms, 2 work stations, a private executive office, a laundry area with a washer & dryer, plenty of storage, plus a large break area/studio apartment. This amazing property has plenty of on-street parking at the front door, ramp entry with handrails, no steps, and is ADA-compliant. Additional parking is available with a nice-sized parking area in the back with 2 separate entrances. Possibilities include a single medical practice, a shared medical practice that could be made by dividing the property into 2 offices, or an office complex. With a special use variance, this property could be converted to a duplex with plenty of parking plus yard space on the vacant lot to the east. The family has priced their property at a very affordable price to give others a chance to follow their dreams.

Getting Around

67
WalkingSomewhat Walkable
0
TransitVery Limited Transit
56
BikeBikeable

Schools

6/10
Flora Elementary SchoolGrades PK-50.7 mi
8/10
6/10
Flora High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1958

Materials

  • Foundation: Block
  • Construction materials: Block,Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Microwave,Refrigerator,Washer,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Egress Window

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Zoned,High Efficiency (SEER 14+)

Interior Area

  • Total interior livable area: 2,849 sqft

Kitchen

  • Features: Kitchen (Eating Area-Table Space,Island),Flooring (Carpet)
  • Level: Main
  • Area: 208
  • Dimensions: 13x16

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Half,Shared)
  • Level: Main
  • Area: 120
  • Dimensions: 12x10

Property

Accessibility

  • Accessibility features: Accessible Doors,Accessible Entrance,Door Width 32 Inches or More,Hall Width 36 Inches or More,Ramp - Main Level

Details

  • Parcel number: 1025308004

Features

  • Patio & porch: Porch

Lot

  • Lot size: 0.30 Acres
  • Features: Level,Other

Parking

  • Parking features: Gravel,Alley Access,Guest

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
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

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 $728$8,736
Home Insurance *$172$2,064
Property Taxes $146$1,752
Electricity $219$2,629
Total$1,265$15,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,371/yr
40% on housing$37,950/yr
45% on housing$33,733/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: 14.3%
14.3%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -11.3%
-11.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$51This listing

vs Other Active Listings

Avg $/sqft

ZIP 62839$87
Clay County$68

vs Homes Sold Last Month

Median $/sqft

ZIP 62839
Clay County$71

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
2026-03-13Price change$144,000
2025-09-15Listed for sale$149,000

For Sale by Agent

AgentPhil Wiley
BrokerageWILEY REALTY GROUP

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