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108 State Route 1 Rd, Cave In Rock, IL, 62919

3beds
1baths
1,305sqft
$124,900
$96price/sqft
$1,582/moest. monthly cost
$63,280/yrincome needed

About This Home

Tucked away in the scenic beauty of Southern Illinois, this well-built 3-bedroom, 1-bath Bedford stone home offers the peaceful lifestyle so many buyers are searching for. Sitting on approximately .75 acre, this property provides room to relax, unwind, and enjoy the quiet surroundings of the Cave-In-Rock area. Inside, you’ll find a comfortable layout with 3 bedrooms, 2 featuring original hardwood floors, adding warmth and character to the home. The attached 1-car garage provides convenience and additional storage, while the fenced backyard offers space for pets, outdoor gatherings, or simply enjoying nature. A water spicket in the fenced area makes gardening, washing pets, or outdoor upkeep even more convenient. A major bonus is the approximately 26' x 31' pole barn/garage with a concrete floor and extensive built-in shelving—perfect for storage, hobbies, equipment, workshop space, or outdoor gear. Located near some of Southern Illinois’ most loved outdoor destinations, this property is just a short drive from Cave-In-Rock State Park, the Ohio River, Garden of the Gods, hiking trails, camping, horseback riding, hunting areas, and Shawnee National Forest recreation. Whether you're looking for a full-time residence, weekend getaway, hunting cabin, or investment opportunity, this location puts adventure and natural beauty right at your fingertips. If you’ve been dreaming of a slower pace, starry skies, and the charm of rural Southern Illinois living, this property is for you.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

7/10
5/10
6/10
Hardin County High SchoolGrades 9-126.7 mi

Construction

Condition

  • Year built: 1951

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Frame,Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Range,Electric Water Heater

Basement

  • Basement: None

Bedroom1

  • Level: Main
  • Dimensions: 12ft 5in x 11ft 1in

Bedroom2

  • Level: Main
  • Dimensions: 10ft 1in x 12ft 1in

Bedroom3

  • Level: Main
  • Dimensions: 10ft 9in x 12ft 1in

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,305
  • Total interior livable area: 1,305 sqft

Kitchen

  • Level: Main
  • Dimensions: 11ft 1in x 13ft 3in

Living Room

  • Level: Main
  • Dimensions: 19ft 8in x 15ft 9in

Main Level

  • Area: 1305

Property

Details

  • Parcel number: 072910103000

Lot

  • Lot size: 0.75 Acres
  • Features: Sloped
  • Lot size dimensions: 220 x 150

Parking

  • Total spaces: 1
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Strong Wind
    Strong WindVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Illinois Counties

Flood
Other
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 $631$7,572
Home Insurance *$735$8,820
Property Taxes $86$1,032
Electricity $130$1,569
Total$1,582$18,984
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,240/yr
40% on housing$47,460/yr
45% on housing$42,186/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -9.9%
-9.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$96This listing

vs Other Active Listings

Avg $/sqft

ZIP 62919$74
Hardin County$74

vs Homes Sold Last Month

Median $/sqft

ZIP 62919
Hardin County$21

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
2026-05-06Listed for sale$129,900

For Sale by Agent

AgentAlysa Bunting
BrokerageIndigo Realty LLC

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