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132 E Locust St, Columbia, IL, 62236

4beds
3baths
3,066sqft
$539,000
$176price/sqft
$3,944/moest. monthly cost
$157,760/yrincome needed

About This Home

Impressive 4 BR 3 BA Full-Brick Villa in the Heart of Columbia. Beautiful corner lot directly across from the library and Metter Park. Walk to Historic Main Street, shops, restaurants, and local businesses. This open, light-filled home features three bedrooms and two full baths on the main level, including a primary suite with dual vanity. Enjoy the expansive great room, bright breakfast area, and gourmet kitchen with quartz countertops, custom tile backsplash, stainless appliances, walk-in pantry. Ceiling fans, main-level laundry rm, covered back patio, vinyl luxury plank flooring, and professional landscaping. Lower level includes a large fourth bedroom with full bath and custom closet, spacious finished rec room, add’l unfinished space ideal for storage, gym, or workshop, plus large storage closets. Oversized 2-car garage featuring dual EV chargers.

Getting Around

73
WalkingVery Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

--
8/10
Columbia Middle SchoolGrades 5-80.7 mi
8/10
Columbia High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 2023

Materials

  • Roof: Architectural Shingle
  • Construction materials: Brick,Brick Veneer,Frame

Type & Style

  • Home type: Condo
  • Architectural style: Traditional
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Electric Range,Refrigerator,Washer/Dryer,Electric Water Heater
  • Laundry features: Inside

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Full

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Kitchen Island,Pantry,Vaulted Ceiling(s),Walk-In Pantry
  • Flooring: Carpet,Tile,Vinyl
  • Finished area below ground: 1,239
  • Finished area above ground: 1,827

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 3,066
  • Total interior livable area: 3,066 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0415368001102
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: One

Lot

  • Features: Landscaped

Parking

  • Total spaces: 2
  • Parking features: Garage - 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

  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Strong Wind
Tornado
Cold Wave
Earthquake
Hail
Lightning
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
Severe Storm

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 $2,725$32,700
Home Insurance *$329$3,948
Property Taxes $655$7,860
Electricity $235$2,829
Total$3,944$47,328
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,222/yr
40% on housing$118,320/yr
45% on housing$105,173/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 62236$168
Monroe County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 62236$154
Monroe County$157

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
2026-05-25Listed for sale$539,000
2022-10-26Listing removed--
2022-10-14Listed for sale$420,000

For Sale by Agent

AgentHenry B Torn
BrokerageListWithFreedom.com

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