1431 Spruce St, Quincy, IL, 62301
About This Home
This spacious 4-bedroom, 2-full-bath home offers rare value in a central location, complete with a two-car detached garage and off-street parking. Even better-extensive recent updates make this home truly move-in ready. Major upgrades per prior listing information include: 2024 - new furnace, central air, stove/oven, trim, and fresh paint throughout; 2022- new flooring throughout, plus a remodeled kitchen and main-floor bathroom. Additional recent improvements - new roll roofing on the rear section, new blinds throughout most of the home, a new main-floor shower door, new upstairs bathroom sink, and new flooring in the main-floor bedroom. The kitchen is a showstopper! Solid surface countertops, farmhouse sink, stove hood, and stylish tile backsplash. Two enclosed porches (not included in square footage) offer flexible bonus spaces-ideal for a mudroom, sunroom, or reading nook. Storage is plentiful with a full unfinished basement and an expansive detached garage with alley access. A convenient off-street parking slab beside the ome adds everyday convenience.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1908
Materials
- Roof: Asphalt
- Construction materials: Aluminum Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Range,Refrigerator,Washer,Gas Water Heater
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Unfinished,Full
Bedroom2
- Features: Flooring (Vinyl)
- Level: Main
- Area: 140
- Dimensions: 10x14
Bedroom3
- Features: Flooring (Carpet)
- Level: Second
- Area: 169
- Dimensions: 13x13
Bedroom4
- Features: Flooring (Carpet)
- Level: Second
- Area: 156
- Dimensions: 13x12
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Family Room
- Features: Flooring (Vinyl)
- Level: Main
- Area: 169
- Dimensions: 13x13
Features
- Finished area below ground: 0
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total interior livable area: 1,668 sqft
Kitchen
- Features: Flooring (Vinyl)
- Level: Main
- Area: 130
- Dimensions: 10x13
Living Room
- Features: Flooring (Vinyl)
- Level: Main
- Area: 195
- Dimensions: 13x15
Other
- Features: Flooring (Carpet)
- Level: Second
- Area: 88
- Dimensions: 08x11
Property
Details
- Parcel number: 234209700000
- Zoning: SINGL
- Other equipment: Internet-Fiber
Features
- Stories: 2
- Patio & porch: Patio,Porch
Lot
- Lot size: 7,405 sqft
- Lot size dimensions: 40x087.85
Parking
- Total spaces: 2
- Parking features: Detached,Alley Access,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
- Heat Wave
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $824 | $9,888 |
| Home Insurance * | $172 | $2,064 |
| Property Taxes | $206 | $2,472 |
| Electricity | $130 | $1,569 |
| Total | $1,332 | $15,984 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-06 | Price change | $169,000 |
| 2026-03-02 | Price change | $169,500 |
| 2026-02-03 | Price change | $171,500 |
| 2025-11-25 | Price change | $173,000 |
| 2025-11-12 | Listed for sale | $175,000 |
| 2024-10-09 | Sold | $162,500 |
| 2024-08-29 | Contingent | $163,500 |
| 2024-08-06 | Price change | $163,500 |
| 2024-07-17 | Listed for sale | $165,000 |
| 2023-02-17 | Sold | $140,000 |
| 2023-01-13 | Contingent | $135,000 |
| 2022-12-09 | Listed for sale | $135,000 |
| 2022-08-26 | Sold | $145,000 |
| 2022-07-27 | Contingent | $145,000 |
| 2022-07-18 | Price change | $145,000 |
| 2022-07-13 | Listed for sale | $150,000 |
| 2022-07-12 | Contingent | $150,000 |
| 2022-07-06 | Listed for sale | $150,000 |
| 2021-08-09 | Sold | $75,000 |
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