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156 Smallmouth Ln, Wilmington, IL, 60481

1beds
1baths
400sqft
$129,900
$325price/sqft
$1,102/moest. monthly cost
$44,080/yrincome needed

About This Home

Stunning remodeled 1BD/1BA with loft in desirable Shadow Lakes. Interior features new white kitchen cabinets, quartz counters, SS appliances, glass tile backsplash, updated bath fixtures, new engineered flooring, loft carpeting, new roof, and new deck. Enjoy resortstyle amenities: private lakes, fishing, kayaking, clubhouse, pool, beaches, walking trails, and abundant recreation. Ideal for lowmaintenance, flexible living

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

7/10
7/10
7/10
Reed-Custer High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 1990

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2025

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Vaulted Ceiling(s),1st Floor Bedroom,Open Floorplan,Granite Counters
  • Flooring: Laminate

Heating & Cooling

  • Heating features: Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 400 sqft

Kitchen

  • Features: Flooring (Wood Laminate)
  • Level: Main
  • Area: 120
  • Dimensions: 10X12

Living Room

  • Features: Flooring (Wood Laminate)
  • Level: Main
  • Area: 120
  • Dimensions: 10X12

Loft

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 1
  • Dimensions: 1X1

Master Bedroom

  • Features: Flooring (Wood Laminate)
  • Level: Main
  • Area: 120
  • Dimensions: 10X12

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0224042260050000
  • Special condition: None

Features

  • Stories: 1
  • Patio & porch: Deck

Lot

  • Features: Water Rights
  • Lot size dimensions: 45x100x55x100

Parking

  • Total spaces: 1
  • Parking features: Gravel,Side Apron,Yes

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
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
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 $656$7,872
Home Insurance *$89$1,068
Property Taxes $227$2,724
Electricity $130$1,569
Total$1,102$13,224
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,782/yr
40% on housing$33,060/yr
45% on housing$29,386/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: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$325This listing

vs Other Active Listings

Avg $/sqft

ZIP 60481$148
Will County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 60481$203
Will County$193

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
2026-05-27Listed for sale$129,900
2024-07-02Sold$17,000
2004-10-29Sold$22,000
2004-03-12Sold$15,000
2000-12-12Sold$11,500

For Sale by Agent

AgentVanessa Carlson
BrokerageIllinois Discount Realty

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