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414 Garden St, Cahokia, IL, 62206

4beds
2baths
2,304sqft
$175,000
$76price/sqft
$1,632/moest. monthly cost
$65,280/yrincome needed

About This Home

Endless possibilities await at 414 Garden Street in Cahokia, IL! Situated on approximately 2,304 square feet of living space and an expansive parcel that was originally four lots combined, this spacious manufactured home offers room to grow both inside and out. Enjoy the oversized yard with plenty of space for entertaining, gardening, recreational vehicles, or future projects. A large storage shed provides additional space for tools, equipment, or hobbies. Major updates completed in 2020 include a new roof, HVAC system, plumbing, flooring, and select interior walls, providing a solid foundation for the next owner to add their personal finishing touches. The manufactured home is currently being converted to real estate, creating an exciting opportunity for buyers seeking long-term ownership and financing options. Buyer is responsible for verifying all information, including square footage, lot size, taxes, schools, and the status of the real estate conversion. Conveniently located near shopping, dining, major highways, and just minutes from St. Louis. The area is anticipated to benefit from a new high school opening this school year, adding even more value to the surrounding community. Don't miss this unique opportunity to own a spacious property with land, updates, and unlimited potential!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

2/10
2/10
1/10
Cahokia High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 2000

Materials

  • Construction materials: Vinyl Siding

Other

  • Builder name: Southern

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Ranch
  • Property subType: Manufactured Home,Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Features

  • Finished area above ground: 2,304

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,304
  • Total interior livable area: 2,304 sqft

Property

Details

  • Parcel number: 0604.0403019
  • Special condition: Listing As Is

Features

  • Levels: One

Lot

  • Lot size: 0.62 Acres
  • Features: Back Yard,Front Yard

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
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 *$305$3,660
Property Taxes $266$3,192
Electricity $177$2,126
Total$1,632$19,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,954/yr
40% on housing$48,960/yr
45% on housing$43,520/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

$76This listing

vs Other Active Listings

Avg $/sqft

ZIP 62206$41
St. Clair County$114

vs Homes Sold Last Month

Median $/sqft

ZIP 62206$89
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)

No zestimate history available

Price History

DateEventPrice
2026-07-20Listed for sale$175,000

For Sale by Agent

AgentJoAnn P Clayborne
BrokerageNettwork Global

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