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21636 N Us Highway 51, Centralia, IL, 62801

2beds
1baths
923sqft
$135,000
$146price/sqft
$1,246/moest. monthly cost
$49,840/yrincome needed

About This Home

Up for auction ending August 22, 9am is a 2 BR, 1 Bath house with basement, detached garage, fenced in area in back yard on 11 acres. Lots of deer on this property! House needs a little TLC. Open house July 26, 4:30-6:30pm. Come out and take a look!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

5/10
Centralia High SchoolGrades 9-125.4 mi

Construction

Condition

  • Year built: 1930

Materials

  • Construction materials: Masonry - Concrete Block

Type & Style

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

Interior

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Finished area above ground: 923

Heating & Cooling

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

Interior Area

  • Total structure area: 923
  • Total interior livable area: 923 sqft

Kitchen

  • Features: Eat-in Kitchen

Property

Details

  • Parcel number: 0107361003
  • Lease amount: 0
  • Special condition: Auction,Estate

Lot

  • Lot size: 11 Acres

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
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $682$8,184
Home Insurance *$257$3,084
Property Taxes $177$2,124
Electricity $130$1,569
Total$1,246$14,952
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,720/yr
40% on housing$37,380/yr
45% on housing$33,226/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: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$146This listing

vs Other Active Listings

Avg $/sqft

ZIP 62801$92
Jefferson County$95

vs Homes Sold Last Month

Median $/sqft

ZIP 62801$74
Jefferson County$118

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

No price history available

Unknown Listed By

AgentKimberly Duncan
BrokerageKIM DUNCAN AUCTION & REALTY

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