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430 Wagon Creek Loop, Creal Springs, IL, 62922

6beds
6baths
6,412sqft
$1,299,999
$203price/sqft
$9,625/moest. monthly cost
$385,000/yrincome needed

About This Home

This breathtaking six-bedroom waterfront retreat sits on 1.66 acres with 537 feet of shoreline on Lake of Egypt and panoramic views of the Shawnee National Forest. Offering 6,400 square feet of thoughtfully designed living space, this property blends luxury, function, and investment potential. Inside, you’ll find three private master suites, three additional bedrooms, and six full bathrooms. The spacious main-level kitchen features a large island and flows seamlessly into the dining area, sunroom, and screened-in deck. Perfect for gathering and entertaining. Each master suite is positioned to capture stunning lake and forest views through expansive windows. The fully finished walkout basement adds incredible flexibility with a second full kitchen complete with a 10-foot island, additional living and dining spaces, and ample room for hosting large groups. A gentle slope leads to the private dock with swim platform and boat lift, while the lakeside firepit creates the perfect setting for relaxing evenings. Additional highlights include geothermal HVAC, composite decking, two full laundry rooms with three washers and three dryers, two safe rooms, hot tub, whole-house generator, abundant storage, and an unfinished bonus area above the garage ready for additional living space. The property offers generous parking and enough acreage to build another home or add cabins. Currently operating as a high-performing vacation rental, this property generated over $130,000 in 2025.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

4/10
5/10
Goreville High SchoolGrades 9-126.1 mi

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Additional Room

  • Level: Main
  • Dimensions: 14ft 0in x 12ft 0in

Additional Room2

  • Level: Basement
  • Dimensions: 23ft 0in x 16ft 0in

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished,Full

Bedroom1

  • Level: Main
  • Dimensions: 19ft 0in x 18ft 0in

Bedroom2

  • Level: Main
  • Dimensions: 15ft 0in x 11ft 0in

Bedroom3

  • Level: Main
  • Dimensions: 15ft 0in x 14ft 0in

Bedroom4

  • Level: Basement
  • Dimensions: 22ft 0in x 16ft 0in

Bedroom5

  • Level: Basement
  • Dimensions: 21ft 0in x 13ft 0in

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 6
  • Full bathrooms: 6

Family Room

  • Level: Main
  • Dimensions: 18ft 0in x 13ft 0in

Features

  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating

  • Heating features: Geothermal

Interior Area

  • Total structure area: 3,302
  • Total interior livable area: 6,412 sqft

Kitchen

  • Level: Main
  • Dimensions: 24ft 0in x 22ft 0in

Laundry

  • Level: Main
  • Dimensions: 16ft 0in x 16ft 0in

Living Room

  • Level: Main
  • Dimensions: 19ft 0in x 17ft 0in

Main Level

  • Area: 3302

Other

  • Dimensions: 12ft 0in x 11ft 0in

Other

  • Area: 3110

Recreation Room

  • Level: Basement
  • Dimensions: 40ft 0in x 36ft 0in

Property

Details

  • Parcel number: 0204403004

Features

  • Patio & porch: Deck
  • Exterior features: Dock,Boat Lift
  • On waterfront: Yes
  • Frontage length: Water Frontage: 537

Lot

  • Lot size: 1.66 Acres
  • Features: Level
  • Lot size dimensions: 537 x 150 x 300 x 150

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Winter Weather
Earthquake
Hail
Heat Wave
Inland Flooding
Ice Storm
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 $6,573$78,876
Home Insurance *$1,119$13,428
Property Taxes $1,440$17,280
Electricity $493$5,918
Total$9,625$115,500
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$330,000/yr
40% on housing$288,750/yr
45% on housing$256,666/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$203This listing

vs Other Active Listings

Avg $/sqft

ZIP 62922$156
Johnson County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 62922$181
Johnson County$165

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
2026-03-05Listed for sale$1,375,000
2025-09-20Listing removed$1,600,000
2025-03-19Listed for sale$1,600,000
2022-09-30Sold$775,000
2022-08-01Contingent$775,000
2022-07-30Listed for sale$775,000

For Sale by Agent

AgentMichelle Merrill
BrokerageRIVER 2 RIVER REALTY, INC.

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