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233 W Spruce St, Canton, IL, 61520

4beds
2baths
1,712sqft
$125,000
$73price/sqft
$1,084/moest. monthly cost
$43,360/yrincome needed

About This Home

Welcome home! This beautifully renovated 4-bedroom, 2-bath home sits on a spacious corner lot and has been completely updated from top to bottom. Major improvements have already been taken care of, including a newer furnace, water heater, electrical, plumbing, roof, windows, flooring, paint, and updated light fixtures throughout. Step inside to a bright and inviting layout offering a formal dining room, cozy family room, and separate living room—perfect for both everyday living and entertaining. The updated kitchen features modern cabinetry, countertops, and appliances, creating a clean and functional space. The primary suite offers a private, beautifully finished bathroom, while both bathrooms have been fully updated with stylish, modern finishes. With generous space throughout, this home is ideal for anyone looking for comfort, functionality, and room to grow. Move-in ready with major updates already completed—this is one you don’t want to miss. Schedule your showing today!

Getting Around

72
WalkingVery Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

6/10
7/10
Ingersoll Middle SchoolGrades 5-81.6 mi
1/10
Canton High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1901

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Range Hood,Range,Refrigerator,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Partial,Unfinished

Bedroom1

  • Level: Main
  • Dimensions: 13ft 5in x 13ft 2in

Bedroom2

  • Level: Main
  • Dimensions: 9ft 11in x 12ft 2in

Bedroom3

  • Level: Main
  • Dimensions: 9ft 0in x 10ft 3in

Bedroom4

  • Level: Main
  • Dimensions: 11ft 5in x 18ft 0in

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Family Room

  • Level: Main
  • Dimensions: 13ft 1in x 15ft 6in

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,712
  • Total interior livable area: 1,712 sqft

Kitchen

  • Level: Main
  • Dimensions: 9ft 0in x 12ft 6in

Laundry

  • Level: Main
  • Dimensions: 10ft 1in x 4ft 3in

Living Room

  • Level: Main
  • Dimensions: 14ft 9in x 15ft 3in

Main Level

  • Area: 1712

Other

  • Level: Main
  • Dimensions: 15ft 11in x 11ft 1in

Property

Details

  • Parcel number: 090827317007

Lot

  • Lot size: 7,405 sqft
  • Features: Level
  • Lot size dimensions: 56 x 120

Parking

  • Parking features: On Street
  • Has uncovered spaces: Yes

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
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Illinois Counties

Flood
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 $632$7,584
Home Insurance *$143$1,716
Property Taxes $178$2,136
Electricity $131$1,580
Total$1,084$13,008
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,165/yr
40% on housing$32,520/yr
45% on housing$28,906/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: 9.6%
9.6%
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

$73This listing

vs Other Active Listings

Avg $/sqft

ZIP 61520$60
Fulton County$74

vs Homes Sold Last Month

Median $/sqft

ZIP 61520$81
Fulton County$72

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
2026-04-18Listed for sale$138,000
2026-01-08Listing removed$150,000
2025-10-19Price change$150,000
2025-10-15Price change$165,000
2025-09-04Price change$175,000
2025-08-07Listed for sale$190,000
2025-01-15Listing removed--
2024-10-17Listed for sale$35,000
2015-11-18Sold$19,900
2015-03-26Sold$19,250

For Sale by Agent

AgentCelene Marquez
BrokerageRE/MAX Traders Unlimited

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