Welcome to this charming ranch-style home nestled in a desirable location near Lake Decatur! Offering 3 bedrooms and 2 bathrooms, this home features a functional layout with great potential to make it your own. Enjoy your morning coffee or unwind in the evening on the lovely screened-in porch, perfect for relaxing while taking in the peaceful surroundings. The detached 2-car garage provides ample space for parking, storage, or a workshop. Conveniently located near the lake, this home offers both comfort and location-don't miss your opportunity to make it yours!
Active
Price cut: $10K (5/8)
$120,000
646 N Cove Ct, Decatur, IL 62521
3beds
1,176sqft
Single Family Residence
Built in 1981
10,018 Square Feet Lot
$118,100 Zestimate®
$102/sqft
$-- HOA
What's special
Functional layoutLovely screened-in porchPeaceful surroundings
- 85 days |
- 1,459 |
- 85 |
Zillow last checked:
Listing updated:
Listed by:
Nate Zarzar (217)714-9846,
KELLER WILLIAMS-TREC,
Alissa Granger 217-714-9846,
KELLER WILLIAMS-TREC
Source: MRED as distributed by MLS GRID,MLS#: 12597727
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Screened Porch
Primary bedroom
- Features: Bathroom (Full)
- Level: Main
- Area: 121 Square Feet
- Dimensions: 11X11
Bedroom 2
- Level: Main
- Area: 121 Square Feet
- Dimensions: 11X11
Bedroom 3
- Level: Main
- Area: 84 Square Feet
- Dimensions: 12X7
Dining room
- Level: Main
- Area: 81 Square Feet
- Dimensions: 9X9
Kitchen
- Level: Main
- Area: 81 Square Feet
- Dimensions: 9X9
Laundry
- Level: Main
- Area: 35 Square Feet
- Dimensions: 7X5
Living room
- Level: Main
- Area: 252 Square Feet
- Dimensions: 18X14
Screened porch
- Level: Main
- Area: 207 Square Feet
- Dimensions: 23X9
Heating
- Natural Gas
Cooling
- Central Air
Features
- Basement: Crawl Space
Interior area
- Total structure area: 1,176
- Total interior livable area: 1,176 sqft
Property
Parking
- Total spaces: 2
- Parking features: Yes, Detached, Garage
- Garage spaces: 2
Accessibility
- Accessibility features: No Disability Access
Features
- Stories: 1
Lot
- Size: 10,018 Square Feet
- Dimensions: 80 x 125
Details
- Parcel number: 091309352001
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Vinyl Siding, Brick
Condition
- New construction: No
- Year built: 1981
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & HOA
HOA
- Services included: None
Location
- Region: Decatur
Financial & listing details
- Price per square foot: $102/sqft
- Tax assessed value: $38,327
- Annual tax amount: $3,249
- Date on market: 3/20/2026
- Ownership: Fee Simple
Estimated market value
$118,100
$112,000 - $124,000
$1,522/mo
Price history
| Date | Event | Price |
|---|---|---|
| 5/8/2026 | Price change | $120,000-7.7%$102/sqft |
Source:  MRED as distributed by MLS GRID #12597727 Report a problem | ||
| 3/20/2026 | Listed for sale | $130,000+17.1%$111/sqft |
Source: MRED as distributed by MLS GRID #12597727 Report a problem | ||
| 5/13/2025 | Sold | $111,000+0.9%$94/sqft |
Source:  CIBR #6251331 Report a problem | ||
| 4/12/2025 | Pending sale | $110,000$94/sqft |
Source: CIBR #6251331 Report a problem | ||
| 4/9/2025 | Listed for sale | $110,000$94/sqft |
Source: CIBR #6251331 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $3,249 +6.5% | $38,327 +7.6% |
| 2023 | $3,050 +5.5% | $35,613 +6.4% |
| 2022 | $2,892 +6.2% | $33,484 +5.5% |
| 2021 | $2,723 -2.4% | $31,744 +2.6% |
| 2020 | $2,790 +5.1% | $30,943 +2% |
| 2019 | $2,655 +3.9% | $30,339 +2.2% |
| 2018 | $2,556 +1.6% | $29,675 +1.2% |
| 2017 | $2,515 -0.1% | $29,309 +0.1% |
| 2016 | $2,518 +5.1% | $29,292 +1.3% |
| 2015 | $2,395 +6.6% | $28,916 |
| 2014 | $2,246 +0.5% | $28,916 |
| 2013 | $2,236 +2.4% | $28,916 |
| 2012 | $2,184 | $28,916 |
| 2011 | -- | $28,916 -4.4% |
| 2010 | -- | $30,260 |
| 2009 | -- | $30,260 +13.3% |
| 2006 | -- | $26,709 |
| 2005 | -- | $26,709 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 62521
Nearby schools
GreatSchools rating
- 3/10Michael E Baum Elementary SchoolGrades: K-6Distance: 1.4 mi
- 2/10Stephen Decatur Middle SchoolGrades: 7-8Distance: 4.2 mi
- 2/10Eisenhower High SchoolGrades: 9-12Distance: 3.3 mi
Schools provided by the listing agent
- District: 61
Source: MRED as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Illinois
- Macon County
- Decatur
- 62521
- 646 N Cove Ct
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Nearby zip codes
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