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1145 N Church St, Mill Shoals, IL, 62862

3beds
2baths
1,456sqft
$165,000
$113price/sqft
$1,285/moest. monthly cost
$51,400/yrincome needed

About This Home

Welcome home to this beautifully maintained 3-bedroom (walk-in closets in every bedroom), 2-bath manufactured home offering 1,456 square feet of comfortable living space on a gorgeous 1.23-acre shaded lot in the highly sought-after New Hope School District. Built in 1993 and impeccably cared for, this property is truly move-in ready. Step inside to discover a spacious open-concept split floor plan designed for both everyday living and entertaining. The inviting living area features a cozy wood-burning fireplace, while the kitchen offers an abundance of cabinetry, generous workspace, and plenty of storage. Built-ins throughout the home provide even more functional storage options. The spacious primary suite serves as a private retreat, and all three bedrooms feature walk-in closets-an uncommon and highly desirable feature. Outside, you'll love relaxing on the covered front porch/patio while enjoying the peaceful surroundings and mature shade trees. Need garage space? This property delivers with an impressive 24' x 40' detached 4-car garage featuring a concrete floor, insulated roof, electric service, and 220-volt wiring-perfect for vehicles, hobbies, workshop space, or storage. Situated at the end of a quiet dead-end street, this property offers the perfect combination of privacy, space, and convenience. If you've been searching for a well-maintained home with room to spread out, this one deserves a look! Property Taxes: Estimated $1,242.72 Average Utilities: Coming Soon! Room Dimensions: Living Room - 14'x24', Dining Room - 10'9"x9'9", Kitchen - 13'10"x8'7", Primary Bedroom - 15'5"x12'4", Primary Bathroom - 9'x10'10", Bedroom 2 - 12'4"x11'5", Bedroom 3 - 10'8"x12'4", Bathroom 2 - 4.5'x7', Laundry Room - 5'x6'

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

7/10
7/10

Construction

Condition

  • Year built: 1993

Materials

  • Roof: Metal

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Oven

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 1,456

Heating & Cooling

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

Interior Area

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

Kitchen

  • Features: Galley,Laminate Counters

Property

Details

  • Parcel number: 0120251039
  • Lease amount: 0
  • Special condition: Estate

Features

  • Stories: 1
  • Patio & porch: Patio,Covered Porch,Deck

Lot

  • Lot size: 1.23 Acres
  • Features: Corner,Trees

Parking

  • Total spaces: 4
  • Parking features: Driveway,Detached
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $834$10,008
Home Insurance *$183$2,196
Property Taxes $138$1,656
Electricity $130$1,569
Total$1,285$15,420
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,057/yr
40% on housing$38,550/yr
45% on housing$34,266/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$113This listing

vs Other Active Listings

Avg $/sqft

ZIP 62862
White County$64

vs Homes Sold Last Month

Median $/sqft

ZIP 62862
White County$76

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
2026-08-17Price change$159,000
2026-06-12Listed for sale$165,000

For Sale by Agent

AgentJessica Mccleary
BrokerageCountry Roads Realty

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