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3911 Narrow Leaf Ln, Swansea, IL, 62226

4beds
3baths
2,258sqft
$419,652
$186price/sqft
$3,410/moest. monthly cost
$136,400/yrincome needed

About This Home

Beautiful new construction Jefferson floorplan by Fulford Homes, a trusted Southern Illinois builder for over 50 years, with move-in available late summer. This two-story home sits on a large, level lot and features upgraded exterior colors, a brick elevation, coach lights, garage door windows, and a rear patio. The kitchen includes quartz countertops, 42" cabinets with crown molding, a gas range, stainless steel chimney hood, and a large island with built-in microwave and pull-out trash bin. The spacious primary suite offers a large walk-in closet and luxury bath with separate tub and shower. A full basement provides excellent future finishing potential. Enjoy the comfort and peace of mind of a new construction home with warranty coverage. Move in and make it yours this summer! *Photos are of similar home

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Construction

Condition

  • Property condition: New Construction,Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Asphalt
  • Construction materials: Brick,Vinyl Siding

Other

  • Builder name: Fulford Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Wired for Data,Walk-In Closet(s)
  • Window features: Double Pane Windows

Heating & Cooling

  • Heating features: Electric,Natural Gas,Forced Air
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total interior livable area: 2,258 sqft

Property

Details

  • Parcel number: 08050422008

Features

  • Levels: 2.0
  • Stories: 2
  • Patio & porch: Patio

Lot

  • Lot size: 7,200 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage 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
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Lightning
Tornado
Earthquake
Hail
Inland Flooding
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 $2,121$25,452
Home Insurance *$477$5,724
Property Taxes $639$7,668
Electricity $173$2,084
Total$3,410$40,920
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,914/yr
40% on housing$102,300/yr
45% on housing$90,933/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

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 62226$137
St. Clair County$113

vs Homes Sold Last Month

Median $/sqft

ZIP 62226$103
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
2026-04-17Sold$46,500
2026-03-10Listed for sale$424,652

New Construction Spec

BrokerageFulford Homes

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