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205 White St, Congerville, IL, 61729

4beds
2baths
1,722sqft
$272,000
$158price/sqft
$2,042/moest. monthly cost
$81,680/yrincome needed

About This Home

A rare opportunity to enjoy space, versatility, and an idyllic country setting—without sacrificing convenience. Set on over an acre of land, this unique 4-bedroom, 2-bath ranch offers the feel of a private “farmette,” complete with a barn and additional outbuilding. Whether you envision keeping a bountiful garden, running a small business, or simply enjoying extra room for hobbies and storage, this property provides exceptional flexibility—all within walking distance to the charm of downtown Congerville. The home features quality craftsmanship throughout, including custom Roecker cabinetry, durable luxury vinyl plank flooring designed for style and easy maintenance, and a cozy wood-burning fireplace in the great room. The kitchen is appointed with a tasteful backsplash and stainless steel appliances. Recent updates include new floors, renovated kitchen in 2014, new water heater, new roof on house and outbuilding, septic rebuild, exterior paint and new A/C in 2019. This property property offers a solid foundation for its next chapter. It has been owned by one family since it was built in 1946, and is being sold as-is. With its rare combination of acreage, outbuildings, and proximity to town, this is a unique opportunity to create your own country lifestyle.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

8/10
8/10
Eureka Middle SchoolGrades 5-86.8 mi
10/10
Eureka High SchoolGrades 9-128.0 mi

Construction

Condition

  • Year built: 1946

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Frame,Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Range Hood,Microwave,Range,Refrigerator,Water Softener Owned,Washer,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Partial,Unfinished

Bedroom1

  • Level: Main
  • Dimensions: 14ft 1in x 14ft 2in

Bedroom2

  • Level: Main
  • Dimensions: 13ft 6in x 10ft 2in

Bedroom3

  • Level: Main
  • Dimensions: 10ft 1in x 10ft 1in

Bedroom4

  • Level: Main
  • Dimensions: 12ft 8in x 10ft 6in

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Central Vacuum,Ceiling Fan(s)
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes

Great Room

  • Level: Main
  • Dimensions: 22ft 11in x 21ft 7in

Heating & Cooling

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

Interior Area

  • Total structure area: 1,722
  • Total interior livable area: 1,722 sqft

Kitchen

  • Level: Main
  • Dimensions: 17ft 8in x 7ft 0in

Main Level

  • Area: 1722

Other

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

Property

Details

  • Parcel number: 1822103001
  • Zoning description: Residential

Features

  • Patio & porch: Patio,Porch

Lot

  • Features: Level,Extra Lot
  • Lot size dimensions: IRREGULAR

Parking

  • Total spaces: 2
  • Parking features: Attached,Paved
  • 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
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Drought
Inland Flooding
Strong Wind
Tornado
Winter Weather

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 $1,375$16,500
Home Insurance *$105$1,260
Property Taxes $430$5,160
Electricity $132$1,589
Total$2,042$24,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,011/yr
40% on housing$61,260/yr
45% on housing$54,453/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

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 61729
Woodford County$111

vs Homes Sold Last Month

Median $/sqft

ZIP 61729$195
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
2026-08-07Price change$249,000
2026-08-01Listed for sale$272,000
2012-10-22Sold$18,667

For Sale by Agent

AgentOlivia Blunier
BrokerageJim Maloof Realty, Inc.

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