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412 Kitchell St, Pana, IL, 62557

3beds
2baths
1,982sqft
$168,500
$85price/sqft
$1,463/moest. monthly cost
$58,520/yrincome needed

About This Home

Located in a beautiful neighborhood close to Kitchell Park and on the Labor Day Parade Route. The roof was replaced in 2023, kitchen remodeled in 2020. Two of the bedrooms have walk in closets and built in dressers. There is also a built in china hutch in the dining room. There are 2 large closets in the upstairs hall. There is also a wood burning fireplace in the living room with fireboxes on each side.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
Lincoln Elementary SchoolGrades PK-52.3 mi
7/10
Pana Jr High SchoolGrades 6-82.4 mi
6/10
Pana Sr High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1920

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range / Oven,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Hardwood,Laminate
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Radiant,Other
  • Cooling features: Other

Interior Area

  • Total interior livable area: 1,982 sqft

Property

Details

  • Parcel number: 11252200000000000

Lot

  • Lot size: 0.30 Acres

Parking

  • Total spaces: 4
  • Parking features: Garage

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 WaveVery High
  • Drought
    DroughtRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Illinois Counties

Flood
Severe Storm

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 $852$10,224
Home Insurance *$250$3,000
Property Taxes $209$2,508
Electricity $152$1,829
Total$1,463$17,556
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,160/yr
40% on housing$43,890/yr
45% on housing$39,013/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -3.3%
-3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$85This listing

vs Other Active Listings

Avg $/sqft

ZIP 62557$63
Christian County$90

vs Homes Sold Last Month

Median $/sqft

ZIP 62557$86
Christian County$96

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
2026-06-28Price change$168,500
2026-06-15Listed for sale$200,000

For Sale by Owner

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