435 N Hickory St, Waterman, IL, 60556
About This Home
Welcome home to this well-maintained 3-bedroom, 2-bath ranch located in within the highly desired Indian Creek School District. Situated on a spacious lot with mature trees and established landscaping, this property offers both comfort and curb appeal. Inside, you'll find a functional single-level layout featuring new carpet (2026) and plenty of natural light throughout. The full unfinished basement provides exceptional storage and expansion potential, complete with a rough-in for a future bathroom. The oversized 1/3 acre lot is complemented by a 2-car side-load garage and a convenient U-shaped driveway, offering ample parking for guests. Additional updates include a new roof installed in 2026 for added peace of mind. With a quick close possible, this home is ready for its next owners to move in and make it their own. Don't miss this opportunity to enjoy ranch-style living in a desirable location with room to grow.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1991
Materials
- Construction materials: Vinyl Siding,Brick
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: In Unit
Basement
- Has basement: Yes
- Basement: Unfinished,Full
Bedroom2
- Features: Flooring (Carpet)
- Level: Main
- Area: 132
- Dimensions: 12X11
Bedroom3
- Level: Main
- Area: 144
- Dimensions: 12X12
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: Flooring (Wood Laminate)
- Level: Main
- Dimensions: COMBO
Family Room
- Level: Main
- Area: 336
- Dimensions: 24X14
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 1,602
- Total interior livable area: 1,602 sqft
Kitchen
- Level: Main
- Area: 187
- Dimensions: 17X11
Laundry
- Level: Main
- Area: 48
- Dimensions: 8X6
Master Bedroom
- Features: Flooring (Carpet),Bathroom (Full,Double Sink,Tub & Separate Shwr)
- Level: Main
- Area: 196
- Dimensions: 14X14
Property
Accessibility
- Accessibility features: No Disability Access
Details
- Parcel number: 1415101016
- Special condition: None
Features
- Stories: 1
Lot
- Lot size: 0.34 Acres
- Lot size dimensions: 100x150
Parking
- Total spaces: 6
- Parking features: Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,Off Street,Driveway,Garage Faces Side,Garage
- 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
- Strong Wind
- Tornado
- Drought
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,693 | $20,316 |
| Home Insurance * | $262 | $3,144 |
| Property Taxes | $625 | $7,500 |
| Electricity | $130 | $1,569 |
| Total | $2,710 | $32,520 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
No price history available
View on Zillow