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850 E Locust St, Watseka, IL, 60970

2beds
1baths
880sqft
$110,000
$125price/sqft
$934/moest. monthly cost
$37,360/yrincome needed

About This Home

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

7/10
5/10

Construction

Condition

  • Year built: 1950

Materials

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

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 90
  • Dimensions: 9X10

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 880
  • Total interior livable area: 880 sqft

Kitchen

  • Features: Kitchen (Eating Area-Table Space),Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 140
  • Dimensions: 10X14

Living Room

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 272
  • Dimensions: 16X17

Master Bedroom

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 110
  • Dimensions: 10X11

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 19333810110000
  • Zoning: SINGL
  • Special condition: None

Features

  • Stories: 1

Lot

  • Lot size: 9,147 sqft
  • Lot size dimensions: 80 X 119

Parking

  • Total spaces: 1
  • Parking features: Gravel,Off Street,Yes,Owned

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 WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Tornado
Hail
Lightning
Winter Weather

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 $556$6,672
Home Insurance *$111$1,332
Property Taxes $137$1,644
Electricity $130$1,569
Total$934$11,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$32,022/yr
40% on housing$28,020/yr
45% on housing$24,906/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$125This listing

vs Other Active Listings

Avg $/sqft

ZIP 60970$91
Iroquois County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 60970
Iroquois County$95

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
2026-04-07Listed for sale$110,000
2025-08-01Sold$35,000
2025-07-23Pending sale$59,900
2025-04-03Listed for sale$59,900

For Sale by Agent

AgentTim Smith, ABR,e-PRO
BrokerageSmith's Real Estate Services,

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