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138 Pueblo Dr, Loda, IL, 60948

4beds
3baths
2,635sqft
$555,900
$211price/sqft
$4,315/moest. monthly cost
$172,600/yrincome needed

About This Home

This beautiful 4 bedroom 3 bathroom ranch home completed in 2023 and located at beautiful Lake Iroquois in Loda Illinois is now for sale. This home features an open floor plan, floor to ceiling fireplace, custom built-ins, custom amish made cabinetry, walk in pantry, spa like master bathroom with a walk in custom shower and a soaking tub. The basement features a large entertaining area, bathroom, bedroom and plenty of storage space including a secret area behind a built in bookcase door. The landscaping was just competed and features a build in fire pit area, water feature in front on the home and a built in sprinkler system. This home has everything you could possibly want and more.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2023

Type & Style

  • Home type: SingleFamily

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Interior Area

  • Total interior livable area: 2,635 sqft

Property

Details

  • Parcel number: 3618476052

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
  • 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 $2,810$33,720
Home Insurance *$609$7,308
Property Taxes $694$8,328
Electricity $202$2,432
Total$4,315$51,780
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$147,942/yr
40% on housing$129,450/yr
45% on housing$115,066/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

$211This listing

vs Other Active Listings

Avg $/sqft

ZIP 60948$114
Iroquois County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 60948
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
2026-07-31Price change$555,900
2026-07-25Listed for sale$559,900
2023-02-01Sold$14,000
2022-05-06Sold$14,000
2022-04-14Pending sale$15,000
2022-03-22Listed for sale$15,000

For Sale by Owner

AgentProperty Owner

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