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18562 E Hill St, Mount Vernon, IL, 62864

3beds
2baths
1,580sqft
$309,900
$196price/sqft
$2,517/moest. monthly cost
$100,680/yrincome needed

About This Home

Beautiful modular home completed in 2023, thoughtfully upgraded by the seller with enhanced flooring, custom kitchen cabinetry, and soaring 9-foot ceilings. Flooded with natural light, the spacious open-concept layout is ideal for both everyday living and entertaining. The kitchen features a stunning stone-faced bar and a generous pantry for ample storage. The private primary suite is tucked on one side of the home and offers a large walk-in closet plus an additional closet, along with an elegant ensuite bath featuring a walk-in shower. Two additional generously sized bedrooms are located on the opposite side, providing comfort and privacy for family or guests. Step outside to a composite deck designed for year-round enjoyment, complete with both a screened-in area and open space overlooking the picturesque pond. Whether you prefer relaxing by the water, fishing, or envisioning your own custom dock, this corner property offers endless possibilities. Additional highlights include a large 2-car attached garage, a 4-foot encapsulated crawl space for added peace of mind, and a beautiful stone walkway leading to the inviting covered front porch. Conveniently located just minutes from Mt. Vernon, with easy access to dining, entertainment, and hospitals. All stainless steel appliances are included, making this exceptional home truly move-in ready. Meticulously designed by the seller, this home showcases a sophiisticatd layout, modern elegance, and quality craftmanship at every turn.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

4/10
Bluford Grade SchoolGrades PK-83.5 mi
5/10
Webber High SchoolGrades 9-123.5 mi

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 156
  • Dimensions: 12X13

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 156
  • Dimensions: 12X13

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,580
  • Total interior livable area: 1,580 sqft

Kitchen

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 208
  • Dimensions: 16X13

Laundry

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 45
  • Dimensions: 9X5

Living Room

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 364
  • Dimensions: 28X13

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full)
  • Level: Main
  • Area: 238
  • Dimensions: 17X14

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0818451008
  • Special condition: None

Features

  • Stories: 1
  • Has view: Yes
  • View description: Back of Property
  • Water view: Back of Property
  • On waterfront: Yes

Lot

  • Lot size: 1 Acres
  • Lot size dimensions: 176x195x200x220

Parking

  • Total spaces: 6
  • Parking features: Yes,Attached,Garage
  • 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

  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Inland Flooding
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 $1,567$18,804
Home Insurance *$412$4,944
Property Taxes $408$4,896
Electricity $130$1,569
Total$2,517$30,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,297/yr
40% on housing$75,510/yr
45% on housing$67,120/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: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$196This listing

vs Other Active Listings

Avg $/sqft

ZIP 62864$85
Jefferson County$93

vs Homes Sold Last Month

Median $/sqft

ZIP 62864$98
Jefferson County$118

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
2026-04-30Listed for sale$324,900
2026-03-01Listing removed$349,000
2025-09-11Listed for sale$349,000

For Sale by Agent

AgentHope Williams
BrokerageKeller Williams Pinnacle - MTV

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