15460 N East Rd, Effingham, IL, 62401
About This Home
A refined Lake Sara waterfront offering with the acreage, privacy, and lifestyle features buyers rarely find in one property. Set on approximately 1.57 acres in a private cove, this move-in ready Effingham lake home offers just over 3,700 finished sq. ft. across four finished levels, creating flexible space for guests, entertaining, remote work, hobbies, or multi-generational living. The remodeled open-concept kitchen features Amish-made cabinetry, quartz countertops, a large island, and updated finishes that feel both polished and practical. Flowing from the open kitchen and living area, the covered porch extends the main living space outdoors, while the fire pit area, boathouse with lift, and rooftop dock deck add to the lake lifestyle. A heated attached garage, detached garage with full loft storage, custom built-ins, walk-in closets, and extensive organization complete a rare Lake Sara combination of waterfront, acreage, privacy, storage, and elevated move-in ready condition.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1999
Materials
- Foundation: Basement
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Disposal,Gas Water Heater,Microwave,Range,Refrigerator,Washer
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Finished,Walk-Out Access,Full
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedroom
- Level: Third
Bedroom
- Level: Third
Bedroom
- Level: Basement
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Breakfast Room Nook
- Level: Main
Breakfast Room Nook
- Level: Basement
Dining Room
- Level: Main
Features
- Breakfast Area,Fireplace,Kitchen Island,Bath in Primary Bedroom,Pantry,Walk-In Closet(s),Workshop
- Number of fireplaces: 1
- Fireplace features: Family/Living/Great Room
- Fireplace: Yes
- Finished area below ground: 911
- Finished area above ground: 2,790
Great Room
- Level: Basement
Half Bath
- Level: Main
Heating & Cooling
- Heating features: Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 3,701
- Total interior livable area: 3,701 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Living Room
- Level: Main
Office
- Level: Main
Other
- Level: Second
Other
- Level: Basement
Porch
- Level: Main
Primary Bathroom
- Level: Second
Primary Bedroom
- Level: Second
Utility Room
- Level: Basement
Property
Details
- Parcel number: 1107015028
- Zoning: RES
- Special condition: None
Features
- Levels: Three Or More
- Stories: 3
- Patio & porch: Enclosed,Patio,Screened,Deck
- Exterior features: Deck,Shed,Workshop
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake Privileges
- Waterbody name: Lake Sara
- Frontage type: Waterfront
Lot
- Lot size: 1.57 Acres
- Lot size dimensions: Irregular
Parking
- Total spaces: 4
- Parking features: Attached,Detached,Garage
- Has garage: Yes
- Attached garage spaces: 4
- Covered spaces: 4
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 | $4,045 | $48,540 |
| Home Insurance * | $570 | $6,840 |
| Property Taxes | $913 | $10,956 |
| Electricity | $284 | $3,415 |
| Total | $5,812 | $69,744 |
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 |
|---|---|---|
| 2026-07-23 | Price change | $799,999 |
| 2026-06-12 | Price change | $820,000 |
| 2026-03-30 | Listed for sale | $850,000 |
| 2026-01-25 | Listing removed | -- |
| 2025-10-27 | Listed for sale | $850,000 |
| 2023-07-14 | Sold | $630,000 |
| 2023-05-25 | Pending sale | $675,000 |
| 2023-05-05 | Contingent | $675,000 |
| 2023-05-04 | Listed for sale | $675,000 |
| 2022-08-27 | Listing removed | -- |
| 2022-06-27 | Pending sale | $670,000 |
| 2022-06-27 | Contingent | $670,000 |
| 2022-06-01 | Price change | $670,000 |
| 2022-05-06 | Listed for sale | $695,000 |
| 2020-11-20 | Sold | $420,000 |
| 2020-10-12 | Pending sale | $457,000 |
| 2020-10-09 | Listed for sale | $457,000 |
| 2018-08-17 | Sold | $400,000 |
| 2018-07-17 | Pending sale | $419,900 |
| 2018-07-10 | Listed for sale | $419,900 |
| 2017-11-30 | Listing removed | $419,900 |
| 2017-10-26 | Price change | $419,900 |
| 2017-10-05 | Price change | $424,900 |
| 2017-08-18 | Price change | $429,900 |
| 2017-03-20 | Listed for sale | $435,000 |
| 2016-11-19 | Listing removed | $435,000 |
| 2016-05-20 | Listed for sale | $435,000 |
View on Zillow