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616 S 21st St, Mattoon, IL, 61938

1beds
1baths
956sqft
$67,900
$71price/sqft
$645/moest. monthly cost
$25,800/yrincome needed

About This Home

Adorable bungalow that has been lovingly cared for and is move-in ready! The charming front porch with decorative railing welcomes you into a comfortable living room that flows nicely into the dining room, creating an inviting space for everyday living and entertaining. The home features one bedroom plus an additional room currently used as a bedroom (no closet). The kitchen is full of character and charm, and all appliances are included. The bathroom was beautifully remodeled in 2024 and features a spacious walk-in shower. A utility room provides laundry space along with additional storage options. Enjoy relaxing on the enclosed back porch overlooking the fenced backyard. Additional features include replacement windows, maintenance-free vinyl siding, hot water heat, and two window air conditioners. Clean, clean, clean—this well-maintained home is ready for its next owner! ** NEW boiler installed in HVAC system!

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
57
BikeBikeable

Schools

7/10
Riddle Elementary SchoolGrades K-51.9 mi
6/10
Mattoon Middle SchoolGrades 6-81.5 mi
6/10
Mattoon High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1896

Materials

  • Foundation: Crawlspace
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Gas Water Heater,Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Main

Dining Room

  • Level: Main

Features

  • Main Level Primary
  • Window features: Replacement Windows
  • Finished area above ground: 956

Heating & Cooling

  • Heating features: Hot Water
  • Cooling features: 2 Units

Interior Area

  • Total structure area: 956
  • Total interior livable area: 956 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Main

Property

Details

  • Parcel number: 07212150000
  • Zoning: R-1
  • Special condition: None

Features

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

Lot

  • Lot size: 7,405 sqft

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
  • 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
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 $343$4,116
Home Insurance *$75$900
Property Taxes $97$1,164
Electricity $130$1,569
Total$645$7,740
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$22,114/yr
40% on housing$19,350/yr
45% on housing$17,200/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

$71This listing

vs Other Active Listings

Avg $/sqft

ZIP 61938$110
Coles County$94

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)

No zestimate history available

Price History

DateEventPrice
2026-08-07Price change$72,000
2026-07-21Price change$67,900
2026-06-16Listed for sale$72,000

For Sale by Agent

AgentDebbie Waggoner
BrokerageColdwell Banker Classic Real Estate

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