Not in a subdivision Homes under $400,000

Not in a subdivision Homes under $400,000

Welcome to the charming neighborhoods of Illinois, where you can find a delightful array of homes nestled in a picturesque setting, away from the hustle and bustle of subdivisions. Here, you'll discover a tight-knit community that radiates warmth and character, making it the perfect place to call home.

This vibrant region boasts a rich tapestry of local culture, with tree-lined streets, friendly neighbors, and an abundance of outdoor spaces. Enjoy leisurely strolls through parks, where children play and families gather for picnics, or explore the quaint local shops and eateries that give the area its unique charm. With a strong sense of community spirit, residents often come together for seasonal events and farmer's markets, fostering connections that make this neighborhood truly special.

For those seeking affordable housing options, this area offers a variety of homes priced under $400,000, making it an attractive choice for first-time buyers, growing families, or anyone looking to invest in a welcoming environment. From cozy bungalows to spacious two-story homes, there’s something to suit every taste and lifestyle. Many properties feature lovely yards, perfect for gardening or entertaining, while others come with modern updates that blend comfort with style.

Living in this enchanting neighborhood means you can enjoy the best of both worlds: a peaceful retreat from the city while still being conveniently located near schools, shopping, and major transportation routes. Embrace the opportunity to create lasting memories in a place where community and affordability come together harmoniously. Welcome home!

Newest Not in a subdivision Homes under $400,000

807 Montgomery Ave, Hillsboro
$153,000
2 Beds ⋅ 1 Baths ⋅ 26064312 MLS ⋅ ACTIVE Status
Move-In Ready Charm – Fully Remodeled & Furnished! Charming, move-in ready home located at 807 Montgomery Avenue, Hillsboro, Illinois. This beautifully updated property offers the perfect blend of modern comfort and effortless living. Having undergone a total remodel within the last seven years, every inch of this home has been meticulously maintained and is in pristine condition. Key Features You'll Love: • Turnkey Living: This home comes loaded with value! The stylish leather couch, washer, and dryer, along with many other high-quality furnishings, stay with the property. • Comfortable Layout: Features two cozy bedrooms and one pristine bathroom, making it perfect for first-time buyers, downsizers, or anyone looking for a low-maintenance lifestyle. • Abundant Storage: Say goodbye to clutter with a spacious, floored attic easily accessible via convenient drop-down stairs. • Outdoor Oasis: Enjoy your private, fully fenced-in rear yard—ideal for pets, gardening, or weekend barbecues. • Detached Garage: Includes a one-car detached garage providing secure parking and additional workspace or storage. Given the incredible shape and turnkey nature of this property, it won't last long on the market!

807 Montgomery Ave, Hillsboro
686 Bernice, Shipman
$207,500
3 Beds ⋅ 2 Baths ⋅ 26064145 MLS ⋅ ACTIVE Status
Checkout this turnkey 3 bed 2 full bath home located on large lot with 2 car detached garage and carport for your larger toys. Home features all new flooring, updated bathrooms, open floorplan, split bedroom design, big yard and the list goes on and on. Set your appointment today!

686 Bernice, Shipman
1801 Centreville Ave, Belleville
$60,000
2 Beds ⋅ 2 Baths ⋅ 26064296 MLS ⋅ COMING SOON Status
Price listed is Starting Bid Only. Bidding starts closing 10/29/2026 @ 6 p.m. Lovingly cared-for 2BR/2BA estate home offering an attached garage, additional detached garage, sunroom with hot tub, garden sheds, and a full partially finished basement in Belleville, IL! The main level opens to a sun-swept front living room that flows into the eat-in kitchen, complete with all appliances. Just steps away, two sliding glass doors provide access to the attached sunroom featuring a hot tub, creating a comfortable space to relax and enjoy the outdoors year-round. A full bathroom is conveniently located near the two bedrooms. The full, partially finished basement provides additional living and storage space, anchored by a large recreation room with a wood-burning stove. The lower level also includes a dedicated laundry area, additional bathroom, storage space, and a finished bonus room with built-in shelving and closet space that could serve as a potential third bedroom. Outside, enjoy entertaining and BBQs from the back deck overlooking the fully fenced backyard with mature shade trees. The additional detached garage and garden sheds provide plenty of space for vehicles, equipment, hobbies, and storage. A great location near schools, IL-15, and just minutes from shopping, dining, and entertainment in downtown Belleville! Property will sell under auction terms and be sold AS- IS, WHERE-IS. Seller, will not make any repairs as a result of any building, occupancy, or environmental inspections. Buyer will be required to sign an Auction Purchase & Sale Agreement if final bid is accepted by Sellers.

1801 Centreville Ave, Belleville
511 S Chester St, Sparta
$50,000
3 Beds ⋅ 1 Baths ⋅ 26064308 MLS ⋅ COMING SOON Status
Price listed is Starting Bid Only. Bidding starts closing 10/22/2026 @ 5 p.m. Lovingly cared for and well maintained, this 3BR/1BA home blends timeless charm with modern comforts and features a full brick exterior, a spacious 0.42± acre lot, and a 2 car covered carport in Sparta, IL. The front door opens to an inviting living room filled with natural light highlighting the warm hardwood flooring. Just beyond, the eat-in kitchen offers ample cabinet and counter-top space, includes all appliances, and offers a rear exterior door leading to the large, covered porch overlooking the back door, making entertaining and summer barbecues seamless. A well-appointed full bathroom also serves as the laundry area with a stackable washer and dryer and is shared by two generously sized bedrooms. The second level features an open landing that could serve as flexible living, hobby, or office space, along with the home’s third bedroom. Outside, a gravel driveway leads to the 2-car carport, while the spacious yard provides a blank canvas for future additions, gardens, landscaping, or outdoor recreation. Perfectly positioned within the Sparta School District and near everyday conveniences such as the Sparta Country Club and IL Route 4, this inviting home delivers a practical floor plan, comfortable living spaces, and ample opportunity for customization! Property will sell under auction terms and be sold AS- IS, WHERE-IS. Seller, will not make any repairs as a result of any building, occupancy, or environmental inspections. Buyer will be required to sign an Auction Purchase & Sale Agreement if final bid is accepted by Sellers.

511 S Chester St, Sparta
306 West St, Taylor Springs
$375,000
3 Beds ⋅ 2 Baths ⋅ 26063402 MLS ⋅ ACTIVE Status
OPEN HOUSE - SATURDAY, OCTOBER 10, 2026 10A - 2P! Fresh, inviting, and thoughtfully designed, this newly constructed ranch offers comfortable main floor living with room to grow! Completed in September 2026 by the Hillsboro High School Building Trades Class, this 3bedroom, 2-bath home features approximately 1,865 square feet on a 1/2 acre lot. A concrete driveway, attached 3 car garage, and concrete sidewalks lead to the welcoming covered front porch which is the perfect place to greet guests or enjoy a quiet morning. Step inside to an airy, open concept layout where vaulted ceilings connect the kitchen, dining, and living areas. A beautiful stone gas fireplace adds warmth and character, creating a cozy gathering spot. The kitchen pairs style with everyday function, featuring granite countertops, a breakfast bar for casual meals and conversation, and a spacious 6x7 pantry with cabinetry to keep everything organized. Whether hosting a holiday gathering or enjoying a relaxed evening at home, this layout makes spending time together easy. The split bedroom design provides privacy for the spacious primary suite, complete with two large walk-in closets and a private bathroom offering granite countertops, double sinks, a shower, and a separate bathtub for unwinding at the end of the day. Two additional bedrooms and a second bathroom with granite countertops are located on the opposite end of the home. Transom windows in all three bedrooms welcome extra natural light while preserving wall space for easy furniture placement. Main-floor laundry just off the garage adds everyday convenience. Extend your living space outdoors onto the covered Trex deck with a ceiling fan. Located just off the dining area, it’s an inviting setting for morning coffee, outdoor meals, or relaxing after a busy day. Downstairs, the unfinished basement is full of possibilities! Framing is already in place for a future bedroom with an egress window, and a future bathroom is plumbed with an uninstalled shower system included. Approximately 1,100 additional square feet offers room to create a recreation room, family room, hobby area, or space that fits your lifestyle. On-demand hot water and a high-efficiency heating and cooling system add to the home’s thoughtful features. Make this brand new home your own and bring your vision to life! Marketing includes an AI-generated video featuring virtual furnishings and a conceptual finished basement to illustrate the home’s potential. Furnishings and depicted basement finishes are illustrative only; the basement is currently unfinished. *** Pursuant to 105 ILCS 5/5-22 of the Illinois School Code, this property must be publicly listed on the MLS for at least 14 calendar days. All offers must be submitted through your broker on or before October 19, 2026, for consideration at the October 20, 2026, School Board meeting. Acceptance of any offer is subject to School Board approval. ***

306 West St, Taylor Springs
740 Cemetery Rd, Freeburg
$150,000
3 Beds ⋅ 2 Baths ⋅ 26063982 MLS ⋅ COMING SOON Status
Price listed is Starting Bid Only. Bidding starts closing 10/22/2026 @ 7 p.m. Experience the tranquility of country living while remaining just minutes from town with this lovingly cared-for 3BR/1.5BA single-family residence featuring a detached 48' x 42' pole barn, all nestled on 3.38+/- acres of combined open lawn and wooded grounds in Freeburg, IL! The main level offers a spacious combination living and dining area highlighted by large bay windows overlooking the expansive front lawn. The galley-style kitchen includes all appliances and features a cozy corner breakfast nook tucked away for casual dining. An expansive family room is anchored by a wood-burning fireplace and includes convenient access to a half bathroom before opening into a flexible space with access to the attached all-seasons room, highlighted by wraparound windows overlooking the surrounding grounds. Upstairs, three bedrooms share a conveniently located full bathroom. The partial, unfinished walk-up basement houses the home's utilities and includes a bonus shower. Outside, the detached pole barn provides ample space for a workshop, equipment storage, hobbies, or a variety of other uses and features an attached overhang with a poured concrete floor. With a blend of open space, wooded grounds, versatile outbuildings, and a convenient location, this property offers plenty of room to enjoy the best of country living. Property will sell under auction terms and be sold AS- IS, WHERE-IS. Seller, will not make any repairs as a result of any building, occupancy, or environmental inspections. Buyer will be required to sign an Auction Purchase & Sale Agreement if final bid is accepted by Sellers.

740 Cemetery Rd, Freeburg
1305 Franklin St, Maeystown
$180,000
3 Beds ⋅ 1 Baths ⋅ 26063839 MLS ⋅ ACTIVE Status
Nestled in the charm of Maeystown, this well-maintained 3 bedroom, 1 bathroom home offers a unique and functional layout with thoughtful updates throughout! Entry from the front door brings you into the lower level, creating a practical drop zone before heading upstairs to the main living area where all primary living spaces are located. The upper level features a recently updated kitchen equipped with an electric cooktop, double wall oven, and appliances that stay, including the washer and dryer. The living and dining areas are spacious and inviting, ideal for everyday living or entertaining. Step out back to enjoy the covered deck, perfect for relaxing and taking in the peaceful surroundings. This home is packed with valuable mechanical upgrades and conveniences, including a brand new A/C system, a whole-home generator, boiler heat that is not very old, a sump pump with battery backup, and a Culligan water softener. The one-car attached garage is heated and offers generous workspace complete with a workbench, making it ideal for projects or hobbies. The roof has been well cared for, with part of it being metal that was recently inspected and painted, and the remaining portion also recently inspected and in good condition. A leased propane tank through Pinnacle services the home. With solid systems, smart updates, and a scenic Maeystown setting, this home offers comfort, reliability, and character in a truly special location!

1305 Franklin St, Maeystown
412 E Southworth St, Raymond
$109,000
5 Beds ⋅ 2 Baths ⋅ 26062864 MLS ⋅ ACTIVE Status
Historic charm meets opportunity in this spacious 5 bedroom, 2 bath home situated on a desirable corner lot! Full of character and timeless details, this home features beautiful historic woodwork throughout, adding warmth and personality you simply can’t recreate. The open concept kitchen and dining area provides a welcoming space for everyday living and entertaining. The main level also offers a comfortable family room plus an additional family/rec room, giving you plenty of flexibility for gatherings, hobbies, a home office, or recreation. With five bedrooms, there’s room for everyone, while the unfinished basement provides additional storage. Upstairs, the unfinished attic offers even more possibilities and could be transformed into additional living space, a creative studio, office, or generous storage area. An attached two car garage adds convenience, and the corner lot provides a great setting for the home. While some updates are needed, this property is full of historic charm, character, and potential and is ready for its next owner to bring their vision to life! Cash or Conventional Financing Only! Call your favorite agent today to schedule a showing and see all this home has to offer!

412 E Southworth St, Raymond
615 George St, Alton
$169,000
5 Beds ⋅ 2 Baths ⋅ 26062070 MLS ⋅ ACTIVE Status
Welcome to this charming 1 and 1/2 story cottage with a welcoming enclosed front porch, and a detached garage, situated along historic brick streets. This home offers four bedrooms, a dedicated home office, and two bathrooms. Fresh paint and new carpeting create a clean, welcoming feel. Situated on a corner lot, this property offers plenty of space, including a fenced backyard and garage. The full basement provides an abundance of storage and includes a full bathroom, offering excellent potential for additional living, recreation, or workspace. While the basement is currently unfinished, the possibilities are there to make the space your own. Many of the major updates have already been completed, including HVAC (2025), new roof (2025), and some newer windows, giving you peace of mind and a head start on future improvements. Affordably priced and move-in ready, this home is a great opportunity for buyers looking for space, updates, and value. Come see all this property has to offer and make it your own!

615 George St, Alton
458 N Library St, Waterloo
$215,000
3 Beds ⋅ 1 Baths ⋅ 26061589 MLS ⋅ ACTIVE Status
If you’ve been looking for a home with space, updates, and a little something extra, this 1.5-story Waterloo home might be the one! Conveniently tucked just off Columbia Avenue near Gibault, you’re close to Route 3, downtown Waterloo, and all the things you actually need without being right in the middle of everything. Inside, the living room and kitchen flow together in an open layout that makes everyday life and entertaining a whole lot easier. The kitchen offers plenty of cabinet space, updated flooring, and appliances that were replaced in 2024 and 2025, so you can check “buy new appliances” off the list. The spacious dining room gives you plenty of room to create a dining area, home office, play space, or whatever your household needs. Two bedrooms are located on the main level, including one with two large closets because apparently one closet just wasn’t going to cut it. A full bathroom on the main level was remodeled in 2022. Head upstairs to find new luxury vinyl plank flooring, a loft area, and an additional bedroom. Whether you need a quiet retreat, guest space, office, or simply somewhere to send the kids when they’re being a little too loud, you’ve got options! Outside, the fully fenced backyard offers plenty of room to enjoy the warmer months, There’s also an attached one-car garage for parking and storage. And the big-ticket updates are already done: roof (2018), HVAC (2018), hot water heater (2017), kitchen appliances (2024 & 2025), bathroom remodel (2022), and living room windows replaced in June 2026. A convenient location, flexible living space, a fenced yard, and updates where they count. Come take a look and see if this Waterloo home checks your boxes!

458 N Library St, Waterloo
102 Carrie St, Taylor Springs
$40,000
2 Beds ⋅ 2 Baths ⋅ 26060165 MLS ⋅ ACTIVE Status
Opportunities like this don’t come along every day! Once home to Country Grain Elevators, this recognizable Taylor Springs landmark offers a rare opportunity for a buyer with the vision to imagine what it could become next. The property includes the former grain elevator complex with multiple grain bins, a spacious feed house/storage building, and the original scale house, which has been converted into a 2-bedroom, 1.5-bath living quarters. The scale house includes a kitchen, oversized family room, primary bedroom with adjoining bath, and a steel roof approximately 10 years old. Located at the far east end of the grain elevator, the original feed house has most recently been used for personal storage and offers approximately 2600 square feet of open interior space, with soaring wood framing and plenty of rustic character. The elevator itself stands as an unmistakable reminder of the community’s agricultural past. Out of operation for more than 20 years, its iconic silhouette, vintage Country Grain signage, grain bins and industrial architecture make this a truly one-of-a-kind property. Bring your imagination and think outside the box! Could this property find new life as a seasonal destination, Christmas tree or holiday market, farmers market, event venue, antique marketplace, workshop, storage facility or unique rustic gathering place? Or maybe you have an idea no one has considered yet. The history is already here. Now it’s waiting for someone with the vision to write its next chapter.

102 Carrie St, Taylor Springs
620 W Kinkead Rd, Hillsboro
$231,900
2 Beds ⋅ 1 Baths ⋅ 26061781 MLS ⋅ ACTIVE UNDER CONTRACT Status
Charming Wooded Oasis in Town – Meticulously Maintained & Move-In Ready! Welcome home to this beautifully maintained, move-in-ready ranch that perfectly blends the peace of nature with the convenience of town living. Nestled on a beautifully landscaped lot, the backyard makes you feel like you are hidden away in the deep woods, yet you are just moments from everything Hillsboro has to offer. Interior Highlights: Spacious Living: Features 2 large bedrooms and 1 well-appointed bathroom, offering a comfortable and efficient layout. Premium Flooring: Enjoy a tasteful mix of classic hardwood, durable ceramic tile, and modern laminate flooring throughout the home. Energy Efficiency: Stay comfortable year-round and keep utility bills low thanks to an additional 12 inches of fiberglass insulation recently installed in the attic. Basement & Mechanicals: Unfinished Full Basement: A massive, clean slate ready for your storage needs, a home gym, or future finished living space. Helitech Waterproofing: Total peace of mind comes with a professional Helitech waterproofing system installed in the basement to ensure it stays dry with a transferable warranty. Whole House Backup Generator: Never worry about power outages again with a reliable, permanent backup generator protecting the entire home. The home is also equipped with a water-powered backup sump pump system. Exterior & Parking: Lush Landscaping: The property is loaded with mature, professional looking landscaping, giving it incredible curb appeal from the moment you pull up. Attached Garage: A spacious 2 car attached garage provides plenty of room for vehicles, tools, and outdoor gear. This home has been exceptionally well-cared for and is completely turn-key. Schedule your showing today to experience this perfect blend of privacy and town convenience!

620 W Kinkead Rd, Hillsboro
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