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2740 Old Collinsville Rd, Swansea, IL, 62226

3beds
4baths
2,840sqft
$255,000
$90price/sqft
$2,184/moest. monthly cost
$87,360/yrincome needed

About This Home

Now offered at a new lower price, this spacious property presents an even better opportunity for buyers ready to unlock its potential! Situated on two parcels totaling approximately 1.3 acres, there is plenty of room to spread out, personalize, and make this property your own. Outdoor spaces include a large front deck, covered side porch, detached garage for additional storage, and an oversized tuck-under two-car garage with extra space for tools, equipment, hobbies, or a workshop. Inside, the generous main level offers formal living and dining rooms leading to an outside deck. The adjacent kitchen opens to a family room. A versatile bonus room provides flexible space for a home office, den, playroom, craft room, or hobby area, while a separate laundry area adds convenience. The spacious primary suite features two closets and a private bath. Two additional bedrooms, another full bath, and a half bath complete the main level. The lower level offers even more possibilities with a finished room featuring a closet, a half bath and additional semi-finished storage space. With the recent price improvement, substantial square footage, multiple garage and storage options, and approximately 1.3 acres, this property offers tremendous value and potential for the buyer with vision. Bring your ideas and imagine what this home could become! Property is being sold as-is. Cash or conventional financing only. Seller will make no repairs or complete government inspections. Agent related.

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

4/10
4/10
Whiteside Middle SchoolGrades 5-81.3 mi
4/10

Construction

Condition

  • Year built: 1930

Materials

  • Roof: Architectural Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Raised Ranch,Split Foyer
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Vinyl,Wood
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 556
  • Finished area above ground: 2,284

Heating & Cooling

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

Interior Area

  • Total structure area: 2,840
  • Total interior livable area: 2,840 sqft

Property

Details

  • Parcel number: 0814.0101019
  • Special condition: Listing As Is

Features

  • Levels: Multi/Split
  • Patio & porch: Deck,Side Porch

Lot

  • Lot size: 1.30 Acres
  • Features: Irregular Lot

Parking

  • Total spaces: 2
  • Parking features: Additional Parking
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Inland Flooding
Lightning
Tornado
Earthquake
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 $1,289$15,468
Home Insurance *$289$3,468
Property Taxes $388$4,656
Electricity $218$2,621
Total$2,184$26,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,880/yr
40% on housing$65,520/yr
45% on housing$58,240/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

$90This listing

vs Other Active Listings

Avg $/sqft

ZIP 62226$139
St. Clair County$114

vs Homes Sold Last Month

Median $/sqft

ZIP 62226$103
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
2026-08-14Contingent$225,000
2026-08-10Price change$225,000
2026-07-02Listed for sale$255,000

For Sale by Agent

AgentEmily C Westerheide
BrokerageColdwell Banker Brown Realtors

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