8838 E Chinquapin Ave, Effingham, IL, 62401
About This Home
Experience lakefront living at its finest with this stunning 5-bedroom, 3-bath home located in one of the most sought-after areas on Lake Sara. Offering generous square footage and an exceptional layout, this property provides ample space for both everyday living and entertaining.Enjoy breathtaking panoramic lake views from the comfort of your home, or step outside to your private backyard oasis featuring an in-ground swimming pool and direct lake access with a private boat dock. Whether you're boating, swimming, fishing, or simply relaxing by the water, this property delivers the ultimate waterfront lifestyle. Conveniently located just minutes from downtown Effingham, you'll have easy access to local restaurants, shopping, golf courses, and all the amenities the area has to offer. Combining luxury, recreation, and an unbeatable location, this rare Lake Sara property is an opportunity you won't want to miss.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1992
Materials
- Foundation: Basement
- Roof: Shingle
- Construction materials: Brick,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Gas Water Heater,Microwave,Range,Refrigerator
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Walk-Out Access,Full
Bedroom
- Level: Upper
Bedroom
- Level: Upper
Bedroom
- Level: Basement
Bedroom
- Level: Basement
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Level: Main
Family Room
- Level: Main
Family Room
- Level: Basement
Features
- Fireplace,Bath in Primary Bedroom,Main Level Primary
- Number of fireplaces: 1
- Fireplace features: Gas,Family/Living/Great Room
- Fireplace: Yes
- Finished area below ground: 1,000
- Finished area above ground: 1,956
Heating & Cooling
- Heating features: Forced Air,Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 2,956
- Total interior livable area: 2,956 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Loft
- Level: Upper
Other
- Features: Tub Shower
- Level: Upper
Primary Bathroom
- Level: Main
Primary Bedroom
- Level: Main
Sunroom
- Level: Main
Property
Details
- Parcel number: 1126102004
- Zoning: RES
- Special condition: None
Features
- Levels: Two
- Stories: 2
- Pool features: In Ground
- Patio & porch: Front Porch,Deck
- Exterior features: Deck,Dock,Pool
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- Waterfront features: Lake Privileges
Lot
- Lot size: 0.65 Acres
Parking
- Total spaces: 2
- Parking features: Attached,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
- Drought
- Strong Wind
- Tornado
- Winter Weather
- Earthquake
- Hail
- Heat Wave
- Inland Flooding
- Ice Storm
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,500 | $54,000 |
| Home Insurance * | $634 | $7,608 |
| Property Taxes | $1,016 | $12,192 |
| Electricity | $227 | $2,728 |
| Total | $6,377 | $76,524 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-20 | Price change | $890,000 |
| 2026-06-17 | Listed for sale | $999,900 |
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