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319 S Cherry St, O'Fallon, IL, 62269

4beds
3baths
1,804sqft
$175,000
$97price/sqft
$1,392/moest. monthly cost
$55,680/yrincome needed

About This Home

Charming 1.5-story home, built in 1897 and full of character, in the heart of O'Fallon. The inviting living room welcomes you with beautiful wood trim, tall windows with window treatments, and abundant warm natural light—creating a spacious atmosphere ideal for both quiet relaxation and entertaining. The flow continues into the dining room, featuring classic plaid accents perfect for morning coffee or lively dinner parties. The updated kitchen is a bright highlight, offering crisp white cabinetry, generous counter space, and access to the backyard. For modern ease, the main level includes a convenient laundry area, a half bath, and a private primary ensuite. Upstairs, three well-sized bedrooms and a full bathroom provide a flexible footprint for family, guests, or a dedicated home office. Outdoor living is a standout feature with an expansive covered back deck—ready for a cozy swing—overlooking a fully fenced yard with mature shade trees. You’ll enjoy the perfect blend of usable green space and natural privacy. Located just moments from the vibrant parks, schools, shops, and dining of downtown O’Fallon and all of the events, this home has already passed occupancy. While it awaits your final creative vision to fully restore its historic luster, the major heavy lifting is done. Key Updates: * Roof: 2025, Siding, Gutters, & Flashing: 2026

Getting Around

84
WalkingVery Walkable
0
TransitVery Limited Transit
57
BikeBikeable

Schools

8/10
Fulton Jr High SchoolGrades 6-82.0 mi
6/10
O'Fallon High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1897

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Finished area above ground: 1,804

Heating & Cooling

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

Interior Area

  • Total structure area: 1,804
  • Total interior livable area: 1,804 sqft

Property

Details

  • Parcel number: 0430.0414020
  • Special condition: Standard

Features

  • Levels: Two

Lot

  • Lot size: 6,969 sqft
  • Features: Back Yard,Level

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

  • Heat Wave
    Heat WaveVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $884$10,608
Home Insurance *$104$1,248
Property Taxes $266$3,192
Electricity $138$1,665
Total$1,392$16,704
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,725/yr
40% on housing$41,760/yr
45% on housing$37,120/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

$97This listing

vs Other Active Listings

Avg $/sqft

ZIP 62269$162
St. Clair County$114

vs Homes Sold Last Month

Median $/sqft

ZIP 62269$146
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
2026-05-07Price change$179,000
2026-04-08Listed for sale$190,000

For Sale by Agent

AgentJulie J Jones-Kloeckner
BrokerageCole Jones Group with Elevate Illinois Realty

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