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528 530a&b Mill St, Bethalto, IL, 62010

3beds
2baths
1,680sqft
$475,000
$283price/sqft
$3,681/moest. monthly cost
$147,240/yrincome needed

About This Home

Wanting to be the Master of Your Domain..... Live in the darling story and a half home sitting at the top of the rise, and rent out the duplex next door. Almost two acres of land right in the heart of town. So many updates on the home as well as the duplex that has long term tenants that have been there for at least 10 years+, and pay their own utilities. Brand New roofs on the house, detached 2 car garage, and RV carport/barn, that includes electricity. Roof on the duplex is 12 yrs. old. Newer HVAC, and seller willing to leave a very nice Husqvarna mower to maintain the park-like setting. The home has been freshly painted by professionals, and all set for a new family to begin their life there. This corner has been same family since 1965. Call your favorite realtor to get your opportunity to view.

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

--
5/10
10/10

Construction

Condition

  • Year built: 1930

Materials

  • Foundation: Block
  • Roof: Architectural Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Patio,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator,Washer/Dryer Stacked,Water Heater
  • Laundry features: In Kitchen,Multiple Locations

Basement

  • Has basement: Yes
  • Basement: Full,Storage Space,Unfinished

Bathroom

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main

Bathroom2

  • Level: Upper

Bedroom2

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main

Bedroom3

  • Features: Floor Covering: Carpeting
  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Bonus Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main

Breakfast Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main

Features

  • Ceiling Fan(s),Kitchen/Dining Room Combo,Shower,Tub
  • Window features: Insulated Windows,Window Coverings
  • Number of fireplaces: 1
  • Fireplace features: Decorative,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,680

Heating & Cooling

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

Interior Area

  • Total structure area: 1,680
  • Total interior livable area: 1,680 sqft

Kitchen

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main

Living Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main

Primary Bedroom

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main

Property

Details

  • Parcel number: 192080119401007

Features

  • Levels: One and One Half
  • Patio & porch: Covered,Patio,Porch
  • Exterior features: Storage

Lot

  • Lot size: 1.93 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 4
  • Parking features: Additional Parking,Detached,Detached Carport,Driveway,Garage,Garage Door Opener,Off Street,Oversized,RV Carport
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport 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
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Tornado
Earthquake
Hail
Lightning
Winter Weather

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 $2,401$28,812
Home Insurance *$442$5,304
Property Taxes $708$8,496
Electricity $130$1,569
Total$3,681$44,172
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,205/yr
40% on housing$110,430/yr
45% on housing$98,160/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$283This listing

vs Other Active Listings

Avg $/sqft

ZIP 62010$164
Madison County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 62010$128
Madison 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
2026-04-14Listed for sale$475,000

For Sale by Agent

AgentSharon K Pratt
BrokerageRe/Max River Bend

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