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207 Brenda Ln, Girard, IL, 62640

2beds
1baths
895sqft
$76,000
$85price/sqft
$784/moest. monthly cost
$31,360/yrincome needed

About This Home

Affordable, move in ready, and packed with updates! Welcome to 207 Brenda in Girard, a charming 2 bed, 1 bath home offering an efficient layout and exceptional value for under $100,000. Major improvements have already been completed, including a new roof in 2020. In 2023, the home received extensive updates featuring new windows, doors, flooring, siding, hot water heater, ceiling fans, drywall, paint, trim, updated electrical and plumbing, and a refreshed kitchen. Outside, you’ll appreciate the low maintenance exterior and the convenient backyard storage shed. With modern finishes and numerous recent upgrades throughout, this home is ideal for first time buyers, downsizers, or investors looking for a turnkey property. Don’t miss your opportunity to own this beautifully updated home at an affordable price!

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

5/10
North Mac IntermediateGrades 3-50.6 mi
4/10
North Mac Middle SchoolGrades 6-80.6 mi
1/10
North Mac High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 1956

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Range,Refrigerator

Basement

  • Basement: None

Bedroom1

  • Level: Main
  • Dimensions: 10ft 9in x 11ft 0in

Bedroom2

  • Level: Main
  • Dimensions: 9ft 9in x 11ft 8in

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 895
  • Total interior livable area: 895 sqft

Kitchen

  • Level: Main
  • Dimensions: 14ft 0in x 12ft 2in

Laundry

  • Level: Main
  • Dimensions: 5ft 3in x 4ft 6in

Living Room

  • Level: Main
  • Dimensions: 17ft 1in x 15ft 0in

Main Level

  • Area: 895

Property

Details

  • Parcel number: 0700178200

Lot

  • Lot size: 2,500 sqft
  • Features: Level
  • Lot size dimensions: 50 x 50

Parking

  • Parking features: Gravel

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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hail
Heat Wave
Inland Flooding
Strong Wind
Tornado
Drought
Earthquake
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 $384$4,608
Home Insurance *$182$2,184
Property Taxes $88$1,056
Electricity $130$1,569
Total$784$9,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,880/yr
40% on housing$23,520/yr
45% on housing$20,906/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$85This listing

vs Other Active Listings

Avg $/sqft

ZIP 62640$87
Macoupin County$102

vs Homes Sold Last Month

Median $/sqft

ZIP 62640$59
Macoupin County$101

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
2026-08-06Pending sale$76,000
2026-07-07Price change$76,000
2026-06-22Price change$80,000
2026-06-14Listed for sale$90,000
2026-05-11Listing removed$86,900
2026-02-26Price change$86,900
2025-12-23Price change$94,900
2025-11-10Listed for sale$99,900
2024-08-11Listing removed--
2024-05-13Listed for sale$70,000
2023-06-13Sold$31,250
2013-12-06Sold$35,000
2013-10-01Listed for sale$38,000

For Sale by Agent

AgentLogan Frazier
BrokerageThe Real Estate Group, Inc.

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