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107 N Mill St, Benton, IL, 62812

3beds
2baths
1,650sqft
$178,500
$108price/sqft
$1,604/moest. monthly cost
$64,160/yrincome needed

About This Home

Updated, charming and cozy single family 3 bedroom 2 bath, all brick home (including glass block window accents), with a large breezeway that leads to an attached garage; with also having a 2 car detached heated garage and with A/C window unit, including a new roof on the detached garage, just last year. This home has had only 3 owners, and has been very well kept. This is a tri level home with a half finished basement including a 300 sq ft bedroom with all brand new flooring, the basement also includes a bathroom and laundry room. This home has a total of 10 closets and lots of storage availability. All blinds in the home are new 2 inch updated blinds. One of the many perks of this charming home is, that it has a unique decorative wooden fireplace and fireplace insert. All rooms freshly painted with updated ceiling fans. Kitchen, dining room and bar have all matching new farmhouse dimmable light fixtures with original ‘retro’ working cabinets. The kitchen has all matching LG stainless steel appliances, bought new in 2021. Their is a lot of character to this home with having an I closed breeze way providing a secure entrance from the garage to the inside the of home, and serves as a relaxing get away to enjoy coffee and quiet time in the mornings. This home is also a great option for if you need to work from home, it’s equipped with fiber optic internet service (Futiva). The back yard includes an all cedar playground, with a rock climb wall, a tree house and slide with swing sets, and has rubber mulch as a base for safety. Updated heat and air hvac system (trane), including smart digital thermostat with option to enable and control through your mobile app, installed in 2018.

Getting Around

70
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

6/10
Benton Grade School 5-8Grades 5-81.2 mi
5/10
Benton Cons High SchoolGrades 9-120.7 mi
4/10
Benton Grade School K-4Grades PK-41.2 mi

Construction

Condition

  • Year built: 1950

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Garbage disposal,Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Hardwood,Laminate,Linoleum / Vinyl

Interior Area

  • Total interior livable area: 1,650 sqft

Property

Details

  • Parcel number: 0818353002

Features

  • Exterior features: Brick
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 8,712 sqft

Parking

  • Parking features: Garage - Attached,Garage - Detached

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
  • Earthquake
    EarthquakeRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Strong Wind
Winter Weather
Hail
Heat Wave
Lightning
Tornado

FEMA Declared Disasters Across Illinois Counties

Flood

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 $902$10,824
Home Insurance *$397$4,764
Property Taxes $175$2,100
Electricity $130$1,569
Total$1,604$19,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,994/yr
40% on housing$48,120/yr
45% on housing$42,773/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: 13.0%
13.0%
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

$108This listing

vs Other Active Listings

Avg $/sqft

ZIP 62812$91
Franklin County$82

vs Homes Sold Last Month

Median $/sqft

ZIP 62812
Franklin County$70

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
2026-05-24Listed for sale$178,500
2017-04-04Sold$80,000

For Sale by Owner

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