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2800 Western Ave, Mattoon, IL, 61938

5beds
3baths
4,013sqft
$464,900
$116price/sqft
$3,176/moest. monthly cost
$127,040/yrincome needed

About This Home

Welcome to this exceptional three-story home offering space, flexibility and standout amenities. With 12 total rooms, this residence features 5 bedrooms and 3 full bathrooms, providing ample room for both everyday comfort and entertaining. Main level offers a well-appointed kitchen, dining area, game room with cozy fireplace, a living room and an additional family room. The main-level primary suite provides convenience and privacy, complete with an en-suite bathroom featuring a walk-in shower, jetted tub and heated floors. The second level includes four additional bedrooms, two full bathrooms, a dedicated laundry room with sink, and a theatre room with projector and 110" screen that stays with the home! The third level showcases a stunning open-concept recreational space that can be tailored to fit your lifestyle, whether as a lounge, playroom or home office hub. Enjoy outdoor living at its finest with both covered front and back porches. The backyard features a fully equipped outdoor kitchen with mini fridge, sink and built-in grill. The property also features a 3-car garage as well as a convenient 1/2 bath in garage. Above the garage, you'll find a well-appointed accessory dwelling unit offering excellent versatility. This private space includes a full kitchen, cozy dining and living areas, and a one-bedroom suite with an en-suite bathroom featuring a shower, tub, and in-unit laundry. Whether used as a guest house, private retreat, or income-producing rental, the accessory unit adds incredible value and flexibility to this property. Pre-Approval letter is REQUIRED to schedule a showing.

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
75
BikeVery Bikeable

Schools

7/10
Riddle Elementary SchoolGrades K-51.3 mi
6/10
Mattoon Middle SchoolGrades 6-81.7 mi
6/10
Mattoon High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1891

Materials

  • Roof: Shake / Shingle

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Trash compactor,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Tile,Carpet,Hardwood
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 4,013 sqft

Property

Details

  • Parcel number: 07210771000

Features

  • Exterior features: Brick

Lot

  • Lot size: 9,088 sqft

Parking

  • Total spaces: 3
  • Parking features: Garage - Detached

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $2,350$28,200
Home Insurance *$517$6,204
Property Taxes $1$12
Electricity $308$3,703
Total$3,176$38,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,891/yr
40% on housing$95,280/yr
45% on housing$84,693/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

$116This listing

vs Other Active Listings

Avg $/sqft

ZIP 61938$106
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)

No zestimate history available

Price History

DateEventPrice
2026-05-06Listed for sale$473,900

For Sale by Owner

AgentProperty Owner

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