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19 N 40th St, Belleville, IL, 62226

3beds
2baths
2,080sqft
$170,000
$82price/sqft
$1,470/moest. monthly cost
$58,800/yrincome needed

About This Home

Step into timeless charm with this over-100-year-old two- story home full of character and warmth. Featuring 3 bedrooms and 2 full baths, this classic beauty offers unique details, including two fireplaces and a butler's pantry that nod to its rich history. Recent cosmetic updates, such as fresh paint, new flooring, and other improvements, blend modern touches with the home's original appeal. Conveniently located near schools, parks, shopping, and easy highway access, this home offers both character and everyday practicality. A wonderful opportunity to own a piece of history in a great location. Buyers and buyer's agents to verify everything, including but not limited to schools, taxes, measurments etc.

Getting Around

61
WalkingSomewhat Walkable
32
TransitSome Transit
46
BikeSomewhat Bikeable

Schools

5/10
Union Elementary SchoolGrades K-60.9 mi
6/10
West Jr High SchoolGrades 7-80.8 mi
5/10

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished,Walk-Out Access

Bathroom

  • Level: Main
  • Area: 45
  • Dimensions: 9x5

Bathroom

  • Level: First
  • Area: 50
  • Dimensions: 10x5

Bedroom

  • Level: First
  • Area: 220
  • Dimensions: 20x11

Bedroom2

  • Level: First
  • Area: 180
  • Dimensions: 20x9

Bedroom3

  • Level: Main
  • Area: 160
  • Dimensions: 8x20

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1

Bonus Room

  • Level: Upper
  • Area: 56
  • Dimensions: 7x8

Dining Room

  • Level: Main
  • Area: 195
  • Dimensions: 13x15

Features

  • Number of fireplaces: 2
  • Fireplace features: Great Room,Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 2,080

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,080
  • Total interior livable area: 2,080 sqft

Kitchen

  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Laundry

  • Level: Main
  • Area: 50
  • Dimensions: 5x10

Living Room

  • Level: Main
  • Area: 364
  • Dimensions: 26x14

Sitting Room

  • Level: Main
  • Area: 210
  • Dimensions: 14x15

Property

Details

  • Parcel number: 0817.0107065
  • Special condition: Standard

Features

  • Levels: Two

Lot

  • Lot size: 6,534 sqft
  • Features: Back 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
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Hail
Heat Wave
Lightning
Tornado
Inland Flooding
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 $859$10,308
Home Insurance *$193$2,316
Property Taxes $259$3,108
Electricity $159$1,919
Total$1,470$17,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,400/yr
40% on housing$44,100/yr
45% on housing$39,200/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

$82This 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
2026-05-10Listed for sale$170,000
2026-04-17Contingent$170,000
2026-04-01Price change$170,000
2026-02-10Price change$175,000
2026-01-27Listed for sale$190,000
2021-03-08Listing removed--
2020-11-04Price change$100,000
2020-10-10Price change$105,000
2020-09-21Price change$110,000
2020-09-05Listed for sale$115,000
2019-04-01Listing removed$950
2019-03-17Listed for rent$950
2002-01-15Sold$69,500

For Sale by Agent

AgentLisa Whitacre
Brokerage360 Prime Realty Group, LLC

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