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401 Adams St, Humboldt, IL, 61931

2beds
1baths
1,627sqft
$66,000
$41price/sqft
$934/moest. monthly cost
$37,360/yrincome needed

About This Home

2 bed/1 bath home in Humboldt with den, office, fireplace, and central A/C. Property sold AS-IS. Owners unable to vacate for showings. Quiet community with easy access to Mattoon and Charleston.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
Riddle Elementary SchoolGrades K-59.9 mi
6/10
Mattoon Middle SchoolGrades 6-89.6 mi
6/10
Mattoon High SchoolGrades 9-129.8 mi

Construction

Condition

  • Year built: 1945

Materials

  • Construction materials: Vinyl Siding,Asbestos

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 135
  • Dimensions: 9X15

Bedrooms & Bathrooms

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

Den

  • Level: Main
  • Area: 238
  • Dimensions: 17X14

Dining Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 143
  • Dimensions: 11X13

Features

  • Attic: Finished

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,627 sqft

Kitchen

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 78
  • Dimensions: 6X13

Laundry

  • Level: Main
  • Area: 160
  • Dimensions: 10X16

Living Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 408
  • Dimensions: 12X34

Master Bedroom

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 230
  • Dimensions: 10X23

Office

  • Level: Main
  • Area: 143
  • Dimensions: 11X13

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 04002314000000
  • Special condition: List Broker Must Accompany

Features

  • Stories: 1

Lot

  • Lot size: 0.43 Acres
  • Lot size dimensions: 125x150

Parking

  • Total spaces: 4
  • Parking features: Yes,Garage Owned,Attached,Owned,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 WaveRelatively High
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Illinois Counties

Flood
Severe Storm

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 $333$3,996
Home Insurance *$346$4,152
Property Taxes $125$1,500
Electricity $130$1,569
Total$934$11,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$32,022/yr
40% on housing$28,020/yr
45% on housing$24,906/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -3.8%
-3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$41This listing

vs Other Active Listings

Avg $/sqft

ZIP 61931$140
Coles County$94

vs Homes Sold Last Month

Median $/sqft

ZIP 61931$21
Coles County$109

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
2026-04-26Listed for sale$67,500
2026-03-14Listing removed$67,500
2025-11-22Price change$67,500
2025-09-15Listed for sale$70,000
2011-04-13Sold$34,500

For Sale by Agent

AgentAllen Custer
BrokerageKeller Williams Inspire - Gene

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