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Single Family ResidentialResidential
$370,217$188 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $30,000 on May 17, 2005

45 SPRINGCHESTER

MATTOON, IL 61938
4
Beds
3
Baths
1,974 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.74 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.

Valuation

$370K
$330K low$411K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$30,000 · May 17, 2005
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$94,656
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$75,725
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.75%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$235,200
WASHINGTON SAVINGS BANK · 2.5% · recorded May 11, 2020
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$23,561
US BANK NA
3rd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$16,800

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,033 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$103,069 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,204
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$93,865
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$93,529
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$309,207

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.52
58
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
80
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
70
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
37
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.22 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyCOLES
Lot (acres)The size of the land the home sits on, from county records.0.74
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Mattoon Middle SchoolB-
Middle · Grades 6–8 · 4.2 mi
E
Arland D Williams Jr Elementary SchoolB-
Elementary · Grades KG–5 · 4.3 mi
H
Mattoon High SchoolB-
High · Grades 9–12 · 5.4 mi

District: Mattoon Community Unit School District 2

Neighborhood · ZIP 61938These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.86

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.20,188
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.163 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$56,789
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$74,456
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

45 Springchester measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 95% of homes in Mattoon 61938
  • Costs more per square foot than 98% of homes in Mattoon 61938
  • Bigger than 81% of homes in Mattoon 61938
  • Has a bigger lot than 85% of homes in Mattoon 61938
  • Newer than 95% of homes in Mattoon 61938

What homes are worth in Mattoon 61938

Each bar is how many homes fall in that price range. The marker is this home.

This home
$44K$437K

This home is worth more than 95% of homes in Mattoon 61938.

How it measures up in Mattoon 61938

The dot is this home. The mark in the middle is the typical home in Mattoon 61938.

Estimated value$370,217
CheaperTypical $118,215Pricier

Pricier than 95% of homes nearby

Price per ft²$188
CheaperTypical $92Pricier

Pricier than 98% of homes nearby

Living area1,974 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 81% of homes nearby

Lot size0.74 ac
SmallerTypical 0.17 acBigger

Bigger than 85% of homes nearby

Year built1999
OlderTypical 1949Newer

Newer than 95% of homes nearby

How 45 Springchester ranks against every home in each area.
MeasureThis homeMattoon 61938Coles County
Estimated valuepricier than$370,21795% of homes91% of homes
Price per ft²pricier than$18898% of homes93% of homes
Living areabigger than1,974 ft²81% of homes78% of homes
Lot sizebigger than0.74 ac85% of homes72% of homes
Year builtnewer than199995% of homes92% of homes

About 45 Springchester

How much is 45 Springchester, Mattoon, IL worth?

The TopHap Estimate for 45 Springchester, Mattoon, IL is $370,217 as of Jul 14, 2026. The likely range is $329,558 to $410,876. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Springchester, Mattoon, IL last sell?

45 Springchester, Mattoon, IL last sold on May 17, 2005 for $30,000, according to the county's recorded deed.

How big is 45 Springchester, Mattoon, IL?

45 Springchester, Mattoon, IL has 4 bedrooms, 3 bathrooms, 1,974 square feet of living space and a 0.74-acre lot.

When was 45 Springchester, Mattoon, IL built?

45 Springchester, Mattoon, IL was built in 1999, making it 27 years old.

What schools serve 45 Springchester, Mattoon, IL?

45 Springchester, Mattoon, IL is assigned to Mattoon Middle School (middle), rated B-; Arland D Williams Jr Elementary School (elementary), rated B-; Mattoon High School (high), rated B-. All sit in Mattoon Community Unit School District 2. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Springchester, Mattoon, IL compare to other homes in Mattoon 61938?

Among the 8,187 homes in Mattoon 61938, it is worth more than 95% of them ($370,217 against a typical $118,215), its price per square foot is higher than 98% of them ($188 against a typical $92), it is bigger than 81% of them (1,974 ft² against a typical 1,344 ft²), its lot is bigger than 85% of them (0.74 ac against a typical 0.17 ac) and it is newer than 95% of them (1999 against a typical 1949). Measured against all of Coles County, it is worth more than 91% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 45 Springchester, Mattoon, IL?

The 2025 property tax bill for 45 Springchester, Mattoon, IL was $6,033. The county assessed it at $103,069.

Closest homes

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Assigned schools

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