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713 N 12th St, Mattoon, IL, 61938

2beds
1baths
672sqft
$147,000
$219price/sqft
$1,246/moest. monthly cost
$49,840/yrincome needed

About This Home

Charming and full of character, this cozy 2-bedroom, 1-bath home offers a thoughtfully designed, functional layout with timeless architectural details, including beautiful arched doorways. The completely renovated bathroom adds a fresh, modern touch while maintaining the home's inviting appeal. The standout feature of this property is the impressive detached all-brick shop, offering approximately 1,900 square feet of versatile space. Equipped with electricity, water, a full bathroom, a newer furnace, and window air conditioning units, this building is ideal for hobbyists, mechanics, small business owners, or anyone in need of exceptional workspace. The new metal roof provides added durability and peace of mind, while the spacious interior offers room for two vehicles plus ample storage and workshop space. Whether you're looking for a comfortable home with an incredible workshop or a property with endless possibilities, this unique opportunity is one you won't want to miss!

Getting Around

55
WalkingSomewhat Walkable
0
TransitVery Limited Transit
54
BikeBikeable

Schools

6/10
Mattoon Middle SchoolGrades 6-81.3 mi
6/10
Mattoon High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Basement
  • Roof: Asphalt,Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Unfinished,Full,Sump Pump

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Main Level Primary,Pantry,Pull Down Attic Stairs
  • Window features: Replacement Windows
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 672

Heating & Cooling

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

Interior Area

  • Total structure area: 672
  • Total interior livable area: 672 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Main

Property

Details

  • Parcel number: 07102367000
  • Zoning: COM
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch,Front Porch
  • Exterior features: Workshop

Lot

  • Lot size: 4,791 sqft

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage
  • 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
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Winter Weather
Drought
Earthquake
Hail
Heat Wave
Inland Flooding
Lightning
Strong Wind

FEMA Declared Disasters Across Illinois Counties

Flood
Severe Storm

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 $743$8,916
Home Insurance *$163$1,956
Property Taxes $210$2,520
Electricity $130$1,569
Total$1,246$14,952
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,720/yr
40% on housing$37,380/yr
45% on housing$33,226/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -3.8%
-3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 61938$107
Coles County$93

vs Homes Sold Last Month

Median $/sqft

ZIP 61938$83
Coles County$109

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
2026-07-27Listed for sale$147,000
2008-02-13Sold$40,000
2007-08-01Sold$24,500

For Sale by Agent

AgentKarol Scrimager
BrokerageCentury 21 Kima Properties

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