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108-110 E Main St, Mascoutah, IL, 62258

3beds
2baths
3,838sqft
$400,000
$104price/sqft
$3,187/moest. monthly cost
$127,480/yrincome needed

About This Home

Prime mixed-use investment opportunity in the heart of downtown Mascoutah! Located at 108-110 E Main St, this 4-unit property offers immediate income, flexible use, and value-add potential just minutes from Scott Air Force Base. The building includes two leased commercial spaces, one leased residential apartment, and one vacant upstairs residential unit ready for renovation. Current income includes $800/month from a long-term commercial tenant with lease in place through June 2029, $1,300/month from the main-level commercial space leased through October 1, 2028, and $750/month from a month-to-month one-bedroom residential tenant. The vacant two-bedroom apartment offers an opportunity to renovate, increase rental income, or create additional usable space. The updated storefront adds curb appeal and visibility in a downtown setting, making this a strong fit for investors, business owners seeking income-producing space, or buyers looking for a mixed-use property with multiple revenue streams. With established tenants, downtown exposure, proximity to SAFB, and room to add value, this property is positioned for both immediate cash flow and long-term upside.

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
56
BikeBikeable

Schools

9/10
6/10
Mascoutah Middle SchoolGrades 6-80.7 mi
9/10
Mascoutah High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Combination
  • Roof: Asphalt
  • Construction materials: Brick,Plaster

Type & Style

  • Home type: MultiFamily
  • Architectural style: Apartment Style
  • Property subType: Multi Family,Apartment

Interior

Basement

  • Has basement: Yes
  • Basement: Cellar,Storage Space,Sump Pump

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Features

  • High Ceilings,Storage
  • Door features: Panel Door(s)
  • Window features: Double Pane Windows
  • Flooring: Carpet,Vinyl,Wood
  • Finished area above ground: 3,838

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Radiant
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total interior livable area: 3,838 sqft

Property

Details

  • Parcel number: 1032.0145004
  • Special condition: Listing As Is,Standard

Features

  • Levels: Two

Lot

  • Lot size: 3,049 sqft

Parking

  • Parking features: Asphalt

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
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Heat Wave
Tornado
Hail
Inland Flooding
Ice Storm
Lightning
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 $2,022$24,264
Home Insurance *$260$3,120
Property Taxes $610$7,320
Electricity $295$3,542
Total$3,187$38,244
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,268/yr
40% on housing$95,610/yr
45% on housing$84,986/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

$104This listing

vs Other Active Listings

Avg $/sqft

ZIP 62258$138
St. Clair County$114

vs Homes Sold Last Month

Median $/sqft

ZIP 62258$147
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
2026-05-14Price change$400,000
2026-04-20Price change$410,000
2025-12-29Price change$425,000
2025-09-05Listed for sale$450,000

For Sale by Agent

AgentMichaela Mendez
BrokerageStrano & Associates

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