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16578 N Oak Hill Ln, Mount Vernon, IL, 62864

4beds
4baths
3,149sqft
$407,000
$129price/sqft
$3,376/moest. monthly cost
$135,040/yrincome needed

About This Home

Lovely 4 bedroom, 4 bath home situated on 2.95 acres offering a peaceful country setting with a scenic pond, mature pine trees, and a recently updated pole barn. The home features a walk-out basement, large rear deck, and a concrete patio-perfect for relaxing or entertaining. The main level offers a spacious living room filled with natural light from numerous windows. The kitchen features solid surface countertops, oak cabinetry, and modern stainless steel appliances, with a dining area conveniently located nearby. The family room includes a cozy wood-burning stove insert and a patio door leading to the large deck. A convenient half bath and an oversized sunroom/mudroom with access to the large side deck provide additional space to relax and enjoy the pond views. The partially finished walk-out basement includes a large bonus room, French doors leading to the patio, a full bath with jetted tub, and a maintenance/storage room with a hidden door leading to the bonus room. Upstairs, sliding doors lead to both the front and rear decks, perfect for enjoying beautiful sunrises and sunsets. The primary bedroom includes sliding doors to the upper deck and a private full en suite bath. Three additional bedrooms are located on the upper level and share a full bath, with the largest bedroom offering access to the front balcony. Additional features include two separate HVAC systems-one serving the basement and main level and another serving the upper level-for efficient comfort throughout the home. High-speed internet is available, and a new aerator system was installed in 2024. The recently updated pole barn includes a bathroom, large work area, pull-down attic ladder to the loft storage area, and a 3-unit mini-split heating and cooling system for year-round comfort. The finished garage adds even more useable space. With a large yard, firepit area, and multiple outdoor entertaining spaces, this property offers room to relax, play, and enjoy. Located in the desirable Rome School District and just minutes from town, dining, and amenities-this one truly has it all!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1975

Materials

  • Roof: Asphalt
  • Construction materials: Aluminum Siding,Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Disposal,Stainless Steel Appliance(s)

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Full,Walk-Out Access

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 108
  • Dimensions: 12X9

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 210
  • Dimensions: 15X14

Bedroom4

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 192
  • Dimensions: 16X12

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

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

Family Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 280
  • Dimensions: 20X14

Features

  • Number of fireplaces: 1
  • Fireplace features: Wood Burning Stove,Family Room
  • Fireplace: Yes
  • Finished area below ground: 900

Foyer

  • Features: Flooring (Ceramic Tile)
  • Level: Main
  • Area: 64
  • Dimensions: 8X8

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,149
  • Total interior livable area: 3,149 sqft

Kitchen

  • Features: Kitchen (SolidSurfaceCounter),Flooring (Wood Laminate)
  • Level: Main
  • Area: 169
  • Dimensions: 13X13

Laundry

  • Features: Flooring (Ceramic Tile)
  • Level: Main
  • Area: 28
  • Dimensions: 4X7

Living Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 280
  • Dimensions: 14X20

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full)
  • Level: Second
  • Area: 216
  • Dimensions: 18X12

Sun Room

  • Features: Flooring (Ceramic Tile)
  • Level: Main
  • Area: 216
  • Dimensions: 9X24

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0707277015
  • Special condition: None

Features

  • Stories: 2
  • Has view: Yes
  • View description: Side(s) of Property
  • Water view: Side(s) of Property
  • On waterfront: Yes

Lot

  • Lot size: 2.95 Acres
  • Lot size dimensions: 308x445x310x47x162x254

Parking

  • Total spaces: 5
  • Parking features: Yes,Attached,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

  • 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 $2,058$24,696
Home Insurance *$541$6,492
Property Taxes $535$6,420
Electricity $242$2,906
Total$3,376$40,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,748/yr
40% on housing$101,280/yr
45% on housing$90,026/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

$129This listing

vs Other Active Listings

Avg $/sqft

ZIP 62864$86
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

DateEventPrice
2026-05-07Price change$437,500
2026-03-10Listed for sale$442,500
2024-07-24Sold$429,000
2024-06-23Contingent$429,000
2024-06-22Price change$429,000
2024-05-22Price change$449,000
2024-05-03Listed for sale$485,000
2024-03-16Listing removed--
2024-02-19Price change$475,000
2024-01-28Price change$499,000
2024-01-12Listed for sale$505,500
2021-03-24Listing removed--
2018-05-28Listing removed$234,900
2018-04-16Price change$234,900
2018-01-31Price change$239,900
2017-11-10Price change$244,900
2017-10-10Listed for sale$245,000

For Sale by Agent

AgentHope Williams
BrokerageKeller Williams Pinnacle - MTV

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