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209 S Jackson St, Gardner, IL, 60424

3beds
2baths
1,200sqft
$185,000
$154price/sqft
$1,521/moest. monthly cost
$60,840/yrincome needed

About This Home

Experience the perfect blend of small-town charm and modern comfort in this beautifully remodeled 3-bedroom, 2-bathroom home. Nestled in a welcoming community where neighbors know each other and life moves at a more relaxed pace, this move-in-ready property offers all the updates you've been looking for. Inside, you'll find a bright and inviting layout featuring fresh finishes, updated flooring, modern fixtures, and thoughtfully renovated living spaces throughout. The spacious kitchen offers stylish cabinetry & ample counter space, which is open with the naturally lit living room space. Off the kitchen is a freshly finished bathroom, with stackable washer dryer hook ups. The primary bedroom, downstairs, provides a peaceful retreat & a beautifully finished ensuite bathroom, while the two additional bedrooms upstairs offer flexibility for any of your needs. Whether you're enjoying a quiet evening at home, or appreciating the slower pace and sense of community that small-town living provides, this fully remodeled home offers the perfect place to put down roots and make lasting memories.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

Construction

Materials

  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2026

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Level: Second
  • Area: 126
  • Dimensions: 9X14

Bedroom3

  • Level: Second
  • Area: 108
  • Dimensions: 9X12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,200 sqft

Kitchen

  • Level: Main
  • Area: 165
  • Dimensions: 11X15

Laundry

  • Level: Main
  • Area: 12
  • Dimensions: 3X4

Living Room

  • Level: Main
  • Area: 180
  • Dimensions: 15X12

Master Bedroom

  • Features: Bathroom (Full)
  • Level: Main
  • Area: 165
  • Dimensions: 11X15

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 1209204007
  • Special condition: None

Features

  • Stories: 1

Lot

  • Lot size: 6,970 sqft

Parking

  • Total spaces: 6
  • Parking features: Yes,Garage Owned,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 WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood

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 $935$11,220
Home Insurance *$170$2,040
Property Taxes $286$3,432
Electricity $130$1,569
Total$1,521$18,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,148/yr
40% on housing$45,630/yr
45% on housing$40,560/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: 12.1%
12.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$154This listing

vs Other Active Listings

Avg $/sqft

ZIP 60424$127
Grundy County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 60424$143
Grundy County$169

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
2025-07-29Sold$60,000
2025-06-22Contingent$90,000
2025-06-13Listed for sale$90,000
2008-12-30Sold$27,500

For Sale by Agent

AgentMatthew Harr
BrokerageColdwell Banker Real Estate Group

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