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Single Family ResidenceResidential
$196,895$130 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $111,000 on Jan 5, 2016

645 ELM ST

MT ZION, IL 62549
1.5
Baths
1,520 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.
0.46 ac
Lot SizeThe size of the land the home sits on, from county records.
1979
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$197K
$186K low$208K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$111,000 · Jan 5, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,710 (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.$54,227 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,630
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$50,597
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$44,941
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$162,697

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.43
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
22
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
83
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.
43
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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 Residence
CountyMACON
Lot (acres)The size of the land the home sits on, from county records.0.46
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
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, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 360 ft²Porch · 85 ft²

Transaction History(4)

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.

H
Mt Zion High SchoolB+
High · Grades 9–12 · 0.2 mi
M
Mt Zion Jr High SchoolB
Middle · Grades 7–8 · 0.3 mi
E
McGaughey Elementary School
Elementary · Grades PK–1 · 0.8 mi

District: Mount Zion Community Unit School District 3

Neighborhood · ZIP 62549These 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.40
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.58

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.2.0%
PopulationHow many people live in this area.4,435
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.547 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$93,756
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,320
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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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

645 Elm St 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 73% of homes in Macon County
  • Costs less per square foot than 82% of homes in Mt Zion 62549
  • Bigger than 73% of homes in Macon County
  • Has a bigger lot than 70% of homes in Macon County
  • Newer than 80% of homes in Macon County

What homes are worth in Mt Zion 62549

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

This home
$113K$543K

This home is worth more than 33% of homes in Mt Zion 62549.

How it measures up in Mt Zion 62549

The dot is this home. The mark in the middle is the typical home in Mt Zion 62549.

Estimated value$196,895
CheaperTypical $221,034Pricier

Pricier than 33% of homes nearby

Price per ft²$130
CheaperTypical $164Pricier

Pricier than 18% of homes nearby

Living area1,520 ft²
SmallerTypical 1,416 ft²Bigger

Bigger than 60% of homes nearby

Lot size0.46 ac
SmallerTypical 0.35 acBigger

Bigger than 69% of homes nearby

Year built1979
OlderTypical 1976Newer

Newer than 63% of homes nearby

How 645 Elm St ranks against every home in each area.
MeasureThis homeMt Zion 62549Macon County
Estimated valuepricier than$196,89533% of homes73% of homes
Price per ft²pricier than$13018% of homes61% of homes
Living areabigger than1,520 ft²60% of homes73% of homes
Lot sizebigger than0.46 ac69% of homes70% of homes
Year builtnewer than197963% of homes80% of homes

About 645 Elm St

How much is 645 Elm St, Mt Zion, IL worth?

The TopHap Estimate for 645 Elm St, Mt Zion, IL is $196,895 as of Sep 24, 2026. The likely range is $185,541 to $208,249. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 Elm St, Mt Zion, IL last sell?

645 Elm St, Mt Zion, IL last sold on Jan 5, 2016 for $111,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 645 Elm St, Mt Zion, IL?

645 Elm St, Mt Zion, IL has 1.5 bathrooms, 1,520 square feet of living space and a 0.46-acre lot.

When was 645 Elm St, Mt Zion, IL built?

645 Elm St, Mt Zion, IL was built in 1979, making it 47 years old. The building has 1 story.

What schools serve 645 Elm St, Mt Zion, IL?

645 Elm St, Mt Zion, IL is assigned to Mt Zion High School (high), rated B+; Mt Zion Jr High School (middle), rated B; McGaughey Elementary School (elementary). All sit in Mount Zion Community Unit School District 3. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 645 Elm St, Mt Zion, IL compare to other homes in Mt Zion 62549?

Among the 2,266 homes in Mt Zion 62549, it is worth more than 33% of them ($196,895 against a typical $221,034), its price per square foot is higher than 18% of them ($130 against a typical $164), it is bigger than 60% of them (1,520 ft² against a typical 1,416 ft²), its lot is bigger than 69% of them (0.46 ac against a typical 0.35 ac) and it is newer than 63% of them (1979 against a typical 1976). Measured against all of Macon County, it is worth more than 73% 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 645 Elm St, Mt Zion, IL?

The 2025 property tax bill for 645 Elm St, Mt Zion, IL was $3,710. The county assessed it at $54,227.

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