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345 Fords Ferry Rd, Cave In Rock, IL, 62919

3beds
1baths
1,456sqft
$99,000
$68price/sqft
$1,354/moest. monthly cost
$54,160/yrincome needed

About This Home

Charming 3 bedroom, 1 bath home located in historic Cave-In-Rock, offering the perfect blend of small-town living and scenic Southern Illinois beauty! With three well-sized bedrooms, a functional floor plan, and comfortable living spaces, this home provides plenty of room for everyday living, entertaining guests, or creating the perfect home office or hobby space. Situated just on the outskirts of town, this property offers a peaceful setting while still enjoying the convenience of public water, sewer, natural gas, and fiber internet service. The spacious layout makes it easy to adapt the home to fit a variety of lifestyles, whether you're looking for extra room to spread out or a cozy place to settle in and enjoy quiet country living. Nature lovers and outdoor enthusiasts will appreciate being just minutes from Cave-In-Rock State Park, known for its breathtaking Ohio River views, hiking, picnic areas, and rich local history. You're also only a short drive from the Cave-In-Rock Ferry, providing easy access across the Ohio River and adding to the charm of this river town location. Whether you're looking for a full-time residence, weekend getaway, or investment opportunity, this home offers comfort, convenience, and a chance to enjoy the unique lifestyle that historic Cave-In-Rock has to offer. Don't miss your opportunity to own a piece of this beautiful river community!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

7/10
5/10
6/10
Hardin County High SchoolGrades 9-127.2 mi

Construction

Condition

  • Year built: 1970

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Microwave,Refrigerator,Washer,Dryer
  • Laundry features: Main Level,Electric Dryer Hookup,In Garage

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 140
  • Dimensions: 14X10

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 110
  • Dimensions: 11X10

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 140
  • Dimensions: 14X10

Heating & Cooling

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

Interior Area

  • Total structure area: 1,456
  • Total interior livable area: 1,456 sqft

Kitchen

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 165
  • Dimensions: 15X11

Laundry

  • Features: Flooring (Other)
  • Level: Main
  • Area: 135
  • Dimensions: 15X9

Living Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 221
  • Dimensions: 17X13

Master Bedroom

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 154
  • Dimensions: 14X11

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 072910306001
  • Special condition: None

Features

  • Stories: 1

Lot

  • Lot size dimensions: 100X180X100X155

Parking

  • Total spaces: 6
  • Parking features: Asphalt,Concrete,Garage Door Opener,Yes,Garage Owned,Attached,Driveway,Owned,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate

How This Home’s Risks Compare

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

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 $500$6,000
Home Insurance *$582$6,984
Property Taxes $142$1,704
Electricity $130$1,569
Total$1,354$16,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,422/yr
40% on housing$40,620/yr
45% on housing$36,106/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -9.9%
-9.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$68This listing

vs Other Active Listings

Avg $/sqft

ZIP 62919$82
Hardin County$76

vs Homes Sold Last Month

Median $/sqft

ZIP 62919
Hardin County$21

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
2018-03-26Sold$35,000

For Sale by Agent

AgentJASON GOEMAAT
BrokerageALL IN ONE REAL ESTATE CO

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