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406 N 2nd St, Altamont, IL, 62411

2beds
1baths
1,380sqft
$164,900
$119price/sqft
$1,269/moest. monthly cost
$50,760/yrincome needed

About This Home

Welcome home to this well-maintained 2-bedroom, 1-bath home offering comfort, functionality, and numerous major updates! In addition to the full bathroom, the home features an extra shower for added convenience. Inside, you'll find both a formal dining room and a spacious eat-in kitchen, providing plenty of room for everyday living and entertaining. Enjoy peace of mind with many important updates already completed. Within the last 6–7 years, the home has received a new roof, furnace, central A/C, and patio door. More recent improvements within the last 3–4 years include a new sewer line to the house and a new water heater. Whether you're a first-time homebuyer, or searching for an investment opportunity, this move-in-ready home offers great value with major updates already taken care of. Schedule your showing today!

Getting Around

55
WalkingSomewhat Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

7/10
Altamont Grade SchoolGrades PK-80.7 mi
5/10
Altamont High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Crawlspace
  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Gas Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Attic,Main Level Primary,Workshop
  • Finished area above ground: 1,380

Heating & Cooling

  • Heating features: Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,380
  • Total interior livable area: 1,380 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 0917003016
  • Zoning: RES
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch
  • Exterior features: Workshop

Lot

  • Lot size: 6,534 sqft
  • Lot size dimensions: 55 x 115

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
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $833$9,996
Home Insurance *$118$1,416
Property Taxes $188$2,256
Electricity $130$1,569
Total$1,269$15,228
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,508/yr
40% on housing$38,070/yr
45% on housing$33,840/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: 11.4%
11.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$119This listing

vs Other Active Listings

Avg $/sqft

ZIP 62411$86
Effingham County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 62411$114
Effingham County$103

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
2026-07-10Listed for sale$164,900
2022-12-07Sold$110,555
2022-11-18Pending sale$105,000
2022-10-28Contingent$105,000
2022-10-26Listed for sale$105,000
2016-06-03Sold$55,000

For Sale by Agent

AgentMandy Vergara
BrokerageWhitten Real Estate Agency

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