169 S State Highway 128, Cowden, IL, 62422
About This Home
Welcome to this beautifully updated home situated on a scenic 3-acre lot, offering the perfect combination of space, comfort, and functionality. The heart of the home features a spacious kitchen with abundant counter space, open to the dining area and family room-ideal for everyday living and entertaining. Just beyond, you'll find an impressive 28' x 19' living room filled with natural light from an abundance of windows. The main-floor primary suite provides a private retreat with 2 walk in closets, its own bathroom featuring a jetted tub and separate shower. A convenient laundry room and half bath complete the main level. Upstairs offers two generously sized bedrooms, each with walk-in closets, along with a loft area and a full bath. The walkout lower level is every bit as impressive as the rest of the home, featuring a recently updated great room, a fourth bedroom with a window, another full bath, and plenty of storage space. Step outside to enjoy the oversized 3-car garage and a spacious elevated deck overlooking the peaceful 3-acre property. With 4 bedrooms, 4 bathrooms, a finished walkout basement, ample living space, and a beautiful country setting, this home truly has it all. Don't miss the opportunity to make this exceptional property your own!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1999
Materials
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range,Microwave,Dishwasher,Refrigerator
Basement
- Has basement: Yes
- Basement: Finished,Daylight
Bedroom2
- Level: Second
- Area: 208
- Dimensions: 16X13
Bedroom3
- Level: Second
- Area: 208
- Dimensions: 16X13
Bedroom4
- Level: Lower
- Area: 182
- Dimensions: 14X13
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 132
- Dimensions: 11X12
Family Room
- Level: Main
- Area: 405
- Dimensions: 27X15
Features
- Finished area below ground: 1,000
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,965
- Total interior livable area: 2,965 sqft
Kitchen
- Features: Kitchen (Eating Area-Breakfast Bar)
- Level: Main
- Area: 300
- Dimensions: 15X20
Laundry
- Level: Main
- Area: 110
- Dimensions: 11X10
Living Room
- Level: Main
- Area: 357
- Dimensions: 21X17
Master Bedroom
- Features: Bathroom (Full)
- Level: Main
- Area: 238
- Dimensions: 17X14
Property
Details
- Parcel number: 05241000100033
- Special condition: Standard
Features
- Stories: 2
Lot
- Lot size: 3.02 Acres
Parking
- Total spaces: 3
- Parking features: Concrete,Yes,Attached,Garage
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Lightning
- Drought
- Strong Wind
- Winter Weather
- Earthquake
- Hail
- Heat Wave
- Inland Flooding
- Tornado
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 | $2,022 | $24,264 |
| Home Insurance * | $354 | $4,248 |
| Property Taxes | $446 | $5,352 |
| Electricity | $228 | $2,736 |
| Total | $3,050 | $36,600 |
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 |
|---|---|---|
| 2026-06-26 | Listed for sale | $399,900 |
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