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9 Oak Point, Neoga, IL, 62447

4beds
3baths
2,172sqft
$399,900
$184price/sqft
$3,088/moest. monthly cost
$123,520/yrincome needed

About This Home

Nestled along the shoreline of Lake Mattoon, this one-owner ranch home offers the kind of waterfront living that rarely becomes available. Thoughtfully designed and lovingly maintained, this spacious 4-bedroom, 3-bathroom home combines comfort, functionality, and unforgettable lake views from nearly every room. Wake each morning to shimmering water views from the private master suite, and spend your evenings watching the sunset dance across the lake from the comfort of home. The open and inviting layout creates the perfect setting for gathering with family and friends, while the peaceful surroundings make every day feel like a getaway. A breezeway connects the home to an impressive 3-car garage featuring oversized doors large enough to accommodate a pontoon boat — making lake life effortless and convenient. Outside, the expansive yard gently leads to the water’s edge, where your private dock offers easy access for boating, fishing, swimming, or simply soaking in the serenity of the lake. As the seasons change, enjoy cozy nights around the fire pit by the water, unforgettable holiday weekends with front-row seats to the fireworks show, and picturesque views of the beach directly across the lake. Properties with waterfront access on Lake Mattoon are increasingly hard to find, making this a rare opportunity to own a truly special piece of lakeside paradise.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
Neoga Elementary SchoolGrades PK-52.6 mi
4/10
Neoga Sr High SchoolGrades 6-122.5 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Crawlspace
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Modular/Prefab
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Water Heater,Freezer,Microwave,Oven,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Fireplace,Jetted Tub,Kitchen Island,Bath in Primary Bedroom,Main Level Primary,Walk-In Closet(s)
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area above ground: 2,172

Heating & Cooling

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

Interior Area

  • Total structure area: 2,172
  • Total interior livable area: 2,172 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Main

Other

  • Level: Main

Primary Bathroom

  • Features: Bathtub,Separate Shower

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0131304009
  • Zoning: RES
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Other,Deck
  • Exterior features: Deck,Dock
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Privileges
  • Waterbody name: Lake Mattoon

Lot

  • Lot size: 0.61 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $2,022$24,264
Home Insurance *$480$5,760
Property Taxes $419$5,028
Electricity $167$2,004
Total$3,088$37,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,874/yr
40% on housing$92,640/yr
45% on housing$82,346/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: 8.3%
8.3%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -6.0%
-6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$184This listing

vs Other Active Listings

Avg $/sqft

ZIP 62447$105
Cumberland County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 62447$104
Cumberland County$116

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
2026-08-12Price change$395,000
2026-05-15Listed for sale$399,900

For Sale by Agent

AgentKristen Hutchinson
BrokerageAll-American Realty

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