20295 N 1170th St, Marshall, IL, 62441
About This Home
PRICE REDUCED!!The lake is whispering to you because properties like this doesn't come on the market at Mill Creek Lake very often! This 5 bedroom 2 1/2 bath lakefront home features an open concept design, a 4 season gorgeous sunroom with views of the lake, a master suite on main floor with patio doors and gorgeous views from every window downstairs and the bedrooms up which 2 have balconies to enjoy the lake view from above. All the decking and balconies are composite decking and have all been updated. The whole home has been updated with fresh paint colors, new flooring, new staircase, new dishwasher and new sink faucet in July 2026, and so much more that this home is a must see and while there sit on the back deck and see how calming, relaxing and serene the view and the sounds of the lake makes you feel. The home has been kept meticulously by the current owner only being the 2nd owner of this lake home. Enjoy watching the wildlife from your 4 season room overlooking the lake and enjoy every season of the year sitting with a good book and your favorite beverage. There is an associated boat dock with 1 boat slip and boat lift. The 2026 Dock fee is paid in full. When you enter the front door the wow factor hits you with the cathedral ceiling and open staircase that has been all redone and updated. The attached garage has an 8' tall door and is 31' deep, and the detached 3 car garage is great for toys, cars, sxs, golf cart and more. The property sits on one acre with the dock/deck overlooking a small quiet cove and the main body of Mill Creek Lake with over 200 feet of steel seawall. Do not pass this one up.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2003
Materials
- Foundation: Crawlspace
- Roof: Shingle
- Construction materials: Brick,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Electric Water Heater,Disposal,Microwave,Oven,Range,Refrigerator,Washer
- Laundry features: Main Level
Basement
- Basement: Crawl Space
Bedroom
- Level: Upper
Bedroom
- Level: Upper
Bedroom
- Level: Upper
Bedroom
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: Main
Family Room
- Level: Main
Features
- Attic,Cathedral Ceiling(s),Bath in Primary Bedroom,Main Level Primary,Walk-In Closet(s)
- Finished area above ground: 2,601
Half Bath
- Level: Main
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,601
- Total interior livable area: 2,601 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Living Room
- Level: Main
Other
- Features: Tub Shower
- Level: Upper
Primary Bathroom
- Features: Bathtub,Separate Shower
- Level: Main
Primary Bedroom
- Level: Main
Sunroom
- Level: Main
Property
Details
- Parcel number: 05023600400004
- Zoning: Other
- Special condition: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Enclosed,Front Porch,Four Season,Glass Enclosed,Patio,Screened,Deck
- Exterior features: Deck,Dock,Workshop
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake Privileges
- Waterbody name: Mill Creek
- Frontage type: Waterfront
Lot
- Lot size: 1 Acres
- Features: Wooded
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
- Heat Wave
- Inland Flooding
- Strong Wind
- Tornado
- Winter Weather
- Earthquake
- Hail
- 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 | $3,791 | $45,492 |
| Home Insurance * | $867 | $10,404 |
| Property Taxes | $868 | $10,416 |
| Electricity | $200 | $2,400 |
| Total | $5,726 | $68,712 |
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 |
|---|---|---|
| 2026-07-21 | Price change | $749,900 |
| 2026-05-23 | Listed for sale | $759,000 |
| 2019-10-18 | Sold | $419,000 |
| 2019-08-23 | Pending sale | $419,900 |
| 2019-07-29 | Price change | $419,900 |
| 2019-07-10 | Price change | $449,900 |
| 2019-06-25 | Listed for sale | $489,900 |
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