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21617 Emerald Rd, Carlyle, IL, 62231

3beds
2baths
3,564sqft
$629,000
$176price/sqft
$4,045/moest. monthly cost
$161,800/yrincome needed

About This Home

Country Living at its Finest near Carlyle Lake Check out this gem! This beautiful and peaceful 8.7-acre Clinton County, IL property is just minutes from Carlyle Lake and offers endless possibilities. Imagine spending a relaxing day on the lake, then returning home to a private oasis with all the amenities one could ask for. This country getaway checks so many boxes for outdoor enthusiasts, lake lovers, or anyone seeking the tranquility of rural living while remaining convenient to the St. Louis Metro area or Scott Air Force Base. The owners have spared no expense in creating this dream property. The renovated farmhouse, with its three bedrooms and two bathrooms, is both cozy and welcoming. The recently constructed 40’x60’ shop boasts reinforced concrete floors and 14-foot ceilings, making it perfect for storage or as a workshop. The cherry on top is the exceptional inground pool and 700 sq ft. 1 bed/1 bath pool house with kitchen and family room. The ample open space and storage options would make this a great hobby farm. For those who love the outdoors, there are opportunities to fish, shoot, and even hunt right out the back door. This property is truly a rare find, offering a unique combination of features. The setup is ideal for full-time residence, hosting gatherings, enjoying lake vacations, or operating as a rental. Your dream property awaits, call Land Agent Dane Werner for your private showing today! Property Features • 8.7 +/- private acres just outside of Keyesport, IL. • Only 1 mile from Keyesport Boat Ramp, Keyesport Beach and Tradewinds Marina • Beautifully renovated 1,864 sq ft, 3 bed/2 bath farmhouse with basement • 40’x60’ shop with reinforced concrete, 14-ft ceilings, and three large garage doors • Inground pool with adjacent fully furnished 700 sq ft pool house • 2-car detached garage • Small equipment shed • 1 acre pond with windmill for aeration • 2 acres currently leased as farm ground • RV hookup with 30-amp service, water, and septic • Less than one hour from Metro St. Louis and Scott Air Force Base • 14 miles to Carlyle, IL • Carlyle School District

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

6/10
3/10
Carlyle High SchoolGrades 9-129.3 mi
9/10
Carlyle Elementary SchoolGrades PK-49.3 mi

Construction

Condition

  • Year built: 1940

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Propane Cooktop,Dishwasher,Propane Water Heater,Range Hood,Built-In Electric Range,Refrigerator,Washer/Dryer

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Sleeping Area

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,000
  • Finished area above ground: 1,864

Heating & Cooling

  • Heating features: Propane
  • Cooling features: Electric

Interior Area

  • Total structure area: 3,564
  • Total interior livable area: 3,564 sqft

Property

Details

  • Parcel number: 030303200027
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Private pool: Yes
  • Pool features: In Ground
  • Has view: Yes
  • View description: Pond,Pool
  • Water view: Pond,Pool
  • Waterbody name: Carlyle Lake

Lot

  • Lot size: 8.70 Acres
  • Features: Level,Private,Secluded

Parking

  • Total spaces: 3
  • Parking features: Garage,Carport
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 3
  • Carport: Yes
  • Carport spaces: 1

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 WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Earthquake
Hail
Heat Wave
Tornado

FEMA Declared Disasters Across Illinois Counties

Flood
Other
Severe Storm
Straight Line Winds
Tornado

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 $3,180$38,160
Home Insurance *$580$6,960
Property Taxes $11$132
Electricity $274$3,289
Total$4,045$48,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,685/yr
40% on housing$121,350/yr
45% on housing$107,866/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: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
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 62231$132
Clinton County$117

vs Homes Sold Last Month

Median $/sqft

ZIP 62231$121
Clinton County$124

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
2026-04-15Listed for sale$709,900
2026-02-22Listing removed--
2025-10-24Listed for sale$725,000
2005-06-24Sold$190,000

For Sale by Agent

AgentDane Werner
BrokerageMidwest Land Group LLC

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