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251 7th St, Carlyle, IL, 62231

4beds
3baths
1,898sqft
$135,000
$71price/sqft
$1,135/moest. monthly cost
$45,400/yrincome needed

About This Home

Welcome to this spacious two-story home in Carlyle, offering four bedrooms and two full bathrooms. The functional layout includes two bedrooms and a full bathroom on the main level, along with two additional bedrooms and another full bathroom upstairs. Originally built in 1885, the home has received several major updates over the years, including plumbing and electrical updates approximately 12 years ago, a gas furnace approximately eight years ago, and a roof estimated to be 10–12 years old. With plenty of living space and the opportunity to add your own finishing touches, this property offers great potential for a homeowner or investor. Property is being sold as-is.

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
53
BikeBikeable

Schools

9/10
Carlyle Elementary SchoolGrades PK-40.5 mi
6/10
3/10
Carlyle High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1885

Materials

  • Construction materials: Concrete,Glass,Vinyl Siding

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Finished area above ground: 1,898

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,898
  • Total interior livable area: 1,898 sqft

Property

Details

  • Parcel number: 080819147008
  • Special condition: Listing As Is

Features

  • Levels: Two

Lot

  • Lot size: 8,071 sqft
  • Features: Other

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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $682$8,184
Home Insurance *$124$1,488
Property Taxes $184$2,208
Electricity $145$1,751
Total$1,135$13,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,914/yr
40% on housing$34,050/yr
45% on housing$30,266/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: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
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 62231$140
Clinton County$119

vs Homes Sold Last Month

Median $/sqft

ZIP 62231$121
Clinton County$124

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
2026-07-30Listed for sale$135,000
2026-04-27Listing removed$135,500
2026-04-07Price change$135,500
2026-01-18Listed for sale$140,000

For Sale by Agent

AgentMason Budnicki
BrokerageMORE, REALTORS

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