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103 Fandel Ln, Metamora, IL, 61548

3beds
2baths
1,803sqft
$230,000
$128price/sqft
$1,811/moest. monthly cost
$72,440/yrincome needed

About This Home

Your search for the home with a peaceful country feel, but minutes from Germantown Hills Grade School is over!!! This well loved home greets you with all brick exterior, charming covered patio and 2 car garage. From the moment you step in the front door- you will instantly feel "at home". From the abundance of natural light, the brick fireplace and huge living room-your plans for holidays and gatherings will begin. Fully applianced eat in kitchen has been nicely updated with neutral cabinets and counter tops. Plenty of space for large table to enjoy breakfast while taking in the views for what seems like miles. The tour of the main floor continues with 3 bedrooms- including the primary having a private half bath. Main floor full bath has endless potential of modifications to fit your needs. Don't miss the full basement-with additional shower, washer & dryer which will remain and a darling family room with bar!! Current owners have not used the fireplace for many years and it is "as-is". Many updates including, AC & Roof in 2018, Septic pumped 2023, New garage doors 2024 and H2O heater 2025. Home is on Cat Trail Water. Agents please review notes.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
8/10
Metamora High SchoolGrades 9-125.7 mi

Construction

Condition

  • Year built: 1962

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence,Residential

Interior

Additional Room

  • Level: Basement
  • Dimensions: 14ft 5in x 16ft 4in

Appliances

  • Appliances included: Dryer,Range Hood,Microwave,Range,Refrigerator,Washer,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedroom1

  • Level: Main
  • Dimensions: 10ft 8in x 14ft 6in

Bedroom2

  • Level: Main
  • Dimensions: 9ft 9in x 13ft 7in

Bedroom3

  • Level: Main
  • Dimensions: 8ft 11in x 17ft 3in

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • High Speed Internet
  • Window features: Blinds
  • Number of fireplaces: 1
  • Fireplace features: Gas Starter,Gas Log,Living Room
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,386
  • Total interior livable area: 1,803 sqft

Kitchen

  • Level: Main
  • Dimensions: 10ft 6in x 10ft 4in

Laundry

  • Level: Basement

Living Room

  • Level: Main
  • Dimensions: 19ft 2in x 11ft 1in

Main Level

  • Area: 1386

Other

  • Level: Main
  • Dimensions: 6ft 11in x 14ft 0in

Other

  • Area: 417

Recreation Room

  • Level: Basement
  • Dimensions: 25ft 3in x 16ft 5in

Property

Details

  • Parcel number: 0829401068
  • Zoning description: r

Features

  • Patio & porch: Patio,Porch

Lot

  • Lot size: 0.39 Acres
  • Features: Dead End Street,Level
  • Lot size dimensions: 140 x 120

Parking

  • Total spaces: 2
  • Parking features: Detached,Shared Driveway,Gravel,Private
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: 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 WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Tornado
Winter Weather
Heat Wave
Ice Storm
Landslide
Lightning

FEMA Declared Disasters Across Illinois Counties

Flood

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 $1,163$13,956
Home Insurance *$146$1,752
Property Taxes $364$4,368
Electricity $138$1,664
Total$1,811$21,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,091/yr
40% on housing$54,330/yr
45% on housing$48,293/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: 12.7%
12.7%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -3.2%
-3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$128This listing

vs Other Active Listings

Avg $/sqft

ZIP 61548$127
Woodford County$112

vs Homes Sold Last Month

Median $/sqft

ZIP 61548$131
Woodford County$97

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
2026-07-21Price change$230,000
2026-07-02Listed for sale$240,000

For Sale by Agent

AgentJulie A Bowald
BrokerageJim Maloof Realty, Inc.

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