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18145 Lone Oak Ter, West Frankfort, IL, 62896

6beds
3baths
6,364sqft
$589,000
$93price/sqft
$4,907/moest. monthly cost
$196,280/yrincome needed

About This Home

Nearly 6,000 square feet of finished living space, 6 bedrooms, and 2.41 acres combine to create a property that is rarely found in Southern Illinois. Whether you’re searching for space for a growing family, multigenerational living, remote work, hobbies, or entertaining, this home offers the flexibility to fit a variety of lifestyles. From the moment you arrive, you’ll appreciate the attention to detail and craftsmanship throughout. Warm wood flooring, custom millwork, exposed beams, and inviting living spaces create a home that feels both comfortable and refined. The spacious layout provides room for everyone while still maintaining a welcoming atmosphere for everyday living. The finished lower level significantly expands the home’s functionality, offering additional living space, bedrooms, recreation areas, storage, and endless possibilities for how the space can be utilized. Three heat pump systems help efficiently manage comfort throughout the home. Outside, you’ll enjoy 2.41 acres of privacy and room to roam while still being conveniently located to area amenities. Properties offering this combination of square footage, acreage, quality, and versatility are few and far between. Schedule your private showing and experience everything this exceptional property has to offer.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

--
4/10
9/10
Johnston City High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Additional Level

  • Area: 0

Additional Room

  • Level: Basement
  • Dimensions: 17ft 0in x 10ft 0in

Additional Room2

  • Level: Basement
  • Dimensions: 24ft 0in x 34ft 0in

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom1

  • Level: Main
  • Dimensions: 18ft 0in x 18ft 0in

Bedroom2

  • Level: Main
  • Dimensions: 14ft 0in x 15ft 0in

Bedroom3

  • Level: Main
  • Dimensions: 14ft 0in x 15ft 0in

Bedroom4

  • Level: Upper
  • Dimensions: 13ft 0in x 22ft 0in

Bedroom5

  • Level: Basement
  • Dimensions: 17ft 0in x 14ft 0in

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Central Vacuum,Ceiling Fan(s)

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 6,364
  • Total interior livable area: 6,364 sqft

Kitchen

  • Level: Main
  • Dimensions: 15ft 0in x 18ft 0in

Living Room

  • Level: Main
  • Dimensions: 21ft 0in x 18ft 0in

Main Level

  • Area: 6000

Other

  • Level: Main
  • Dimensions: 13ft 0in x 12ft 0in

Other

  • Area: 0

Upper Level

  • Area: 364

Property

Details

  • Parcel number: 0201128006

Features

  • Patio & porch: Patio,Porch

Lot

  • Lot size: 2.41 Acres
  • Features: Wooded
  • Lot size dimensions: 230 x 213 x 205 x 241

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • 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
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Illinois Counties

Flood

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 $2,978$35,736
Home Insurance *$670$8,040
Property Taxes $770$9,240
Electricity $489$5,873
Total$4,907$58,884
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$168,240/yr
40% on housing$147,210/yr
45% on housing$130,853/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: 11.7%
11.7%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$93This listing

vs Other Active Listings

Avg $/sqft

ZIP 62896$76
Williamson County$121

vs Homes Sold Last Month

Median $/sqft

ZIP 62896
Williamson County$112

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
2026-08-18Price change$579,000
2026-06-26Listed for sale$589,000
2017-12-02Listing removed$329,000
2016-08-10Listed for sale$329,000

For Sale by Agent

AgentKristen Anastasi
BrokerageHOUSE 2 HOME REALTY

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