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213 7th St, Carmi, IL, 62821

0beds
1baths
3,000sqft
$85,000
$28price/sqft
$829/moest. monthly cost
$33,160/yrincome needed

About This Home

Looking for a commercial space with flexibility? This well-maintained building offers a functional layout that can adapt to a wide range of businesses. Customers are welcomed through a dedicated front entrance with space for a reception or waiting area, while the expansive open floor plan provides endless possibilities for offices, retail, showroom space, or collaborative work areas. A kitchenette adds convenience for employees, and the rear storage area features large double doors for easy loading and unloading of inventory or equipment. Complete with ample off-street parking, this property is an excellent opportunity for entrepreneurs, investors, or businesses ready to grow.

Getting Around

52
WalkingSomewhat Walkable
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

--
5/10
3/10

Construction

Materials

  • Roof: Asphalt
  • Construction materials: Masonry - Concrete Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Flooring: Laminate
  • Finished area above ground: 3,000

Heating & Cooling

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

Interior Area

  • Total structure area: 3,000
  • Total interior livable area: 3,000 sqft

Kitchen

  • Features: Open

Property

Details

  • Lease amount: 0

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

  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $429$5,148
Home Insurance *$99$1,188
Property Taxes $71$852
Electricity $230$2,768
Total$829$9,948
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$28,422/yr
40% on housing$24,870/yr
45% on housing$22,106/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$28This listing

vs Other Active Listings

Avg $/sqft

ZIP 62821$79
White County$68

vs Homes Sold Last Month

Median $/sqft

ZIP 62821
White County$76

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
2026-07-11Listed for sale$85,000

For Sale by Agent

AgentAmber Knight
BrokerageThe Property Shop

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