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3439 Navajo Trl, Shiloh, IL, 62221

4beds
3baths
2,198sqft
$498,000
$227price/sqft
$3,863/moest. monthly cost
$154,520/yrincome needed

About This Home

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
Shiloh Middle SchoolGrades 4-81.3 mi
6/10
O'Fallon High SchoolGrades 9-122.5 mi
7/10
Shiloh Elementary SchoolGrades PK-31.4 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Architectural Shingle
  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Dishwasher,Electric Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Concrete,Partial

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Finished area above ground: 2,198

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,198
  • Total interior livable area: 2,198 sqft

Property

Details

  • Parcel number: 0907.0114006
  • Special condition: Standard

Features

  • Levels: Two

Lot

  • Lot size: 0.30 Acres
  • Features: Level

Parking

  • Total spaces: 2
  • Parking features: Garage - 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 WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Inland Flooding
Lightning
Tornado
Earthquake
Ice Storm
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
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 $2,518$30,216
Home Insurance *$417$5,004
Property Taxes $759$9,108
Electricity $169$2,028
Total$3,863$46,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$132,445/yr
40% on housing$115,890/yr
45% on housing$103,013/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$227This listing

vs Other Active Listings

Avg $/sqft

ZIP 62221$141
St. Clair County$113

vs Homes Sold Last Month

Median $/sqft

ZIP 62221$127
St. Clair County$119

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
2026-04-06Listed for sale$498,000
2026-01-27Sold$52,500

New Construction

AgentLexus Keeslar
BrokerageColdwell Banker Brown Realtors

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