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647 N Main St, Palmyra, IL, 62674

2beds
1baths
1,400sqft
$49,900
$36price/sqft
$494/moest. monthly cost
$19,760/yrincome needed

About This Home

ADD SOME PAINT TO THE OUTSIDE AND FINISH PAINTING THE INSIDE AND YOU ARE READY TO MOVE IN. HUGE PRIVACY FENCED BACK YARD WITH SHED. WASHER/DRYER, DISHWASHER, REFRIGERATOR, DOUBLE OVENS. ROOF IS 7 YRS. OLD. ~SELLING AS IS ~

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

7/10
3/10
1/10
Northwestern High SchoolGrades 9-120.5 mi

Construction

Materials

  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Additional Room

  • Level: Main
  • Dimensions: 12ft 0in x 8ft 0in

Appliances

  • Appliances included: Dishwasher,Dryer,Range,Refrigerator,Washer,Electric Water Heater

Basement

  • Basement: Crawl Space

Bedroom1

  • Level: Main
  • Dimensions: 19ft 0in x 12ft 0in

Bedroom2

  • Level: Main
  • Dimensions: 12ft 0in x 11ft 0in

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Window features: Window Treatments

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,400
  • Total interior livable area: 1,400 sqft

Kitchen

  • Level: Main
  • Dimensions: 15ft 0in x 12ft 0in

Laundry

  • Level: Main
  • Dimensions: 12ft 0in x 7ft 0in

Living Room

  • Level: Main
  • Dimensions: 27ft 0in x 15ft 0in

Main Level

  • Area: 1400

Property

Details

  • Parcel number: 2000095900

Features

  • Patio & porch: Porch

Lot

  • Lot size: 8,712 sqft
  • Features: Level
  • Lot size dimensions: 66 x 132

Parking

  • Total spaces: 1
  • Parking features: Attached,Parking Pad,Gravel
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

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

How This Home’s Risks Compare

Cold Wave
Earthquake
Hail
Heat Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Drought
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 $252$3,024
Home Insurance *$55$660
Property Taxes $57$684
Electricity $130$1,569
Total$494$5,928
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$16,937/yr
40% on housing$14,820/yr
45% on housing$13,173/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

$36This listing

vs Other Active Listings

Avg $/sqft

ZIP 62674$121
Macoupin County$103

vs Homes Sold Last Month

Median $/sqft

ZIP 62674$107
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
2026-08-07Pending sale$49,900
2026-08-01Listed for sale$49,900
2004-09-27Sold$31,750

For Sale by Agent

AgentBrenda S Allen
BrokerageFirm Foundations Realty

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