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1010 Wilshire Dr, Mount Vernon, IL, 62864

5beds
2baths
1,288sqft
$172,000
$134price/sqft
$1,453/moest. monthly cost
$58,120/yrincome needed

About This Home

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

2/10
4/10
--
Mount Vernon High SchoolGrades 9-123.4 mi

Construction

Condition

  • Year built: 1920

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Egress Window,Rec/Family Area,Sleeping Area,Storage Space,Walk-Up Access,Full,Walk-Out Access

Bedroom2

  • Level: Main
  • Area: 100
  • Dimensions: 10X10

Bedroom3

  • Level: Main
  • Area: 100
  • Dimensions: 10X10

Bedroom4

  • Level: Basement
  • Area: 120
  • Dimensions: 10X12

Bedroom5

  • Level: Basement
  • Area: 120
  • Dimensions: 10X12

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Family Room

  • Level: Basement
  • Area: 425
  • Dimensions: 17X25

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,288 sqft

Kitchen

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 154
  • Dimensions: 11X14

Laundry

  • Level: Basement
  • Area: 150
  • Dimensions: 10X15

Living Room

  • Features: Flooring (Hardwood),Window Treatments (Blinds)
  • Level: Main
  • Area: 286
  • Dimensions: 13X22

Master Bedroom

  • Level: Main
  • Area: 143
  • Dimensions: 11X13

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0730206002
  • Special condition: None

Features

  • Stories: 1
  • Patio & porch: Deck

Lot

  • Lot size: 0.46 Acres
  • Lot size dimensions: 100x202

Parking

  • Total spaces: 2
  • Parking features: Gravel,Garage Door Opener,Yes,Detached,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

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

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Illinois Counties

Flood
Other
Severe Storm
Straight Line Winds
Tornado

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 $869$10,428
Home Insurance *$228$2,736
Property Taxes $226$2,712
Electricity $130$1,569
Total$1,453$17,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,817/yr
40% on housing$43,590/yr
45% on housing$38,746/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: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$134This listing

vs Other Active Listings

Avg $/sqft

ZIP 62864$87
Jefferson County$94

vs Homes Sold Last Month

Median $/sqft

ZIP 62864$98
Jefferson County$118

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

For Sale by Agent

AgentPAMELA KIRKPATRICK
BrokerageBuy Home Realty

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