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709 W Lafayette St, Olney, IL, 62450

3beds
1baths
1,199sqft
$129,900
$108price/sqft
$1,113/moest. monthly cost
$44,520/yrincome needed

About This Home

Welcome home to this single- level ranch home situated on a desirable corner lot. The inviting living room features beautiful hardwood flooring, creating a warm and welcoming space. The kitchen was updated in 2013 and offers ample cabinet space, a center island, and a comfortable dining area, making it both functional and inviting. Two bedrooms feature hardwood flooring, with one conveniently located adjacent to the updated full bathroom. An additional versatile room provides the flexibility to serve as a third bedroom, home office, hobby room, or playroom. The spacious laundry room includes a folding counter and offers direct access to the attached garage for added convenience. Major exterior improvements include new siding and replacement windows installed in 2022, providing peace of mind and enhanced curb appeal. If you're looking for the convenience of single\-level living with thoughtful updates and flexible living space, this charming home is ready to welcome you

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

7/10
8/10
East Richland High SchoolGrades 9-121.5 mi

Construction

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Refrigerator,Oven,Washer

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood,Tile
  • Finished area above ground: 1,199

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central

Interior Area

  • Total structure area: 1,199
  • Total interior livable area: 1,199 sqft

Kitchen

  • Features: Laminate Counters

Property

Details

  • Parcel number: 1104401001
  • Lease amount: 0

Features

  • Stories: 1

Lot

  • Lot size: 5,940 sqft

Parking

  • Total spaces: 1
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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

  • Earthquake
    EarthquakeRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Earthquake
Strong Wind
Winter Weather
Cold Wave
Hail
Heat Wave
Ice Storm
Lightning
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 $656$7,872
Home Insurance *$202$2,424
Property Taxes $125$1,500
Electricity $130$1,569
Total$1,113$13,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,160/yr
40% on housing$33,390/yr
45% on housing$29,680/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 6.1%
6.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$108This listing

vs Other Active Listings

Avg $/sqft

ZIP 62450$116
Richland County$100

vs Homes Sold Last Month

Median $/sqft

ZIP 62450
Richland County$88

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
2026-07-29Listed for sale$129,900

For Sale by Agent

AgentBrandy Piercefield
BrokerageRacklin Realty Inc.

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