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615 S Central St, Gilman, IL, 60938

3beds
1baths
1,260sqft
$80,000
$63price/sqft
$716/moest. monthly cost
$28,640/yrincome needed

About This Home

Located on a nice lot, in a great location, this house is bigger than it looks. 3 bedrooms, living room, eat-in kitchen, big dining room, laundry/utility room, and a large bathroom. Enclosed front porch. There is a partial basement for utility and storage, with access from interior and exterior. A 2-car garage was added in 2000 and is accessed through the alley. It is 26x30 and has plenty of extra room for storage of outdoor equipment. Windows replaced in 2015; roof and siding 2019. This has been a rental for several years. A little updating is all it needs.

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

6/10
7/10
Iroquois West High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1886

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Unfinished,Exterior Entry,Storage Space,Partial

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 135
  • Dimensions: 9X15

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 117
  • Dimensions: 9X13

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 154
  • Dimensions: 11X14

Enclosed Porch

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 161
  • Dimensions: 7X23

Features

  • 1st Floor Bedroom,1st Floor Full Bath

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,260 sqft

Kitchen

  • Features: Kitchen (Eating Area-Table Space),Flooring (Vinyl)
  • Level: Main
  • Area: 216
  • Dimensions: 8X27

Living Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 195
  • Dimensions: 13X15

Master Bedroom

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 256
  • Dimensions: 16X16

Other

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 77
  • Dimensions: 7X11

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 24061560020000
  • Zoning: SINGL
  • Special condition: None
  • Other equipment: Ceiling Fan(s),Sump Pump

Features

  • Stories: 1

Lot

  • Lot size: 9,792 sqft
  • Lot size dimensions: 96x102

Parking

  • Total spaces: 6
  • Parking features: Yes,Garage Owned,Detached,Off Street,Owned,Garage
  • 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

  • Cold Wave
    Cold WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Hail
Lightning
Strong Wind
Tornado
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 $404$4,848
Home Insurance *$82$984
Property Taxes $100$1,200
Electricity $130$1,569
Total$716$8,592
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$24,548/yr
40% on housing$21,480/yr
45% on housing$19,093/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

$63This listing

vs Other Active Listings

Avg $/sqft

ZIP 60938$76
Iroquois County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 60938
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)

No zestimate history available

Price History

DateEventPrice
2026-04-28Listed for sale$80,000
2026-04-04Contingent$80,000
2026-02-16Listed for sale$80,000

For Sale by Agent

AgentSandra Boyer, ABR,GRI
BrokerageMcColly Rosenboom - W

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