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3424 Conservation Rd, Alma, IL, 62807

1beds
1baths
720sqft
$51,900
$72price/sqft
$492/moest. monthly cost
$19,680/yrincome needed

About This Home

Quiet, serene setting with beautiful lake views. This is your chance to have access to a spot at Patoka Club Lake! Property includes a 1-bedroom, 1-bathroom home with an option to convert the laundry room back to a bedroom. Home has one of the best views of the lake which includes a view of the entrance to the area, community building, and campground. Home has replacement windows, but is otherwise ready for some fresh updates. The site includes a floating dock with space available for up to two fishing boats, a 2-car carport, shed and an outdoor storage container. As a member of the Conservation Club, you have access to the ~25 acre lake for swimming and fishing and ~100 acres for hunting (wildlife and mushrooms) and camping. Land is leased and will not be owned as part of this purchase. Home sells as-is. Cash only buyers.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
Patoka Elementary SchoolGrades PK-55.1 mi
4/10
Patoka Jr High SchoolGrades 6-85.1 mi
9/10
Patoka Sr High SchoolGrades 9-125.1 mi

Construction

Condition

  • Year built: 1964

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Modular/Prefab
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater,Range,Refrigerator
  • Laundry features: Main Level

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Main Level Primary
  • Window features: Replacement Windows
  • Finished area above ground: 720

Heating & Cooling

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

Interior Area

  • Total structure area: 720
  • Total interior livable area: 720 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Main

Property

Details

  • Parcel number: 0221100028
  • Zoning: Other
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Patio
  • Exterior features: Dock,Shed
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Privileges
  • Waterbody name: Patoka Club Lake
  • Frontage type: Waterfront

Lot

  • Lot size: 0.61 Acres

Parking

  • Total spaces: 2
  • Parking features: Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Earthquake
Inland Flooding
Tornado
Winter Weather
Drought
Hail
Heat Wave
Lightning

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 $262$3,144
Home Insurance *$34$408
Property Taxes $66$792
Electricity $130$1,569
Total$492$5,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$16,868/yr
40% on housing$14,760/yr
45% on housing$13,120/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$72This listing

vs Other Active Listings

Avg $/sqft

ZIP 62807
Marion County$95

vs Homes Sold Last Month

Median $/sqft

ZIP 62807$105
Marion County$74

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
2026-05-07Listed for sale$68,000

For Sale by Agent

AgentMandy Henning
BrokerageFull Circle Realty

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