Shelby
420 Elm Street, Windsor, IL 61957 — exterior
Sale Pending

420 Elm Street

Windsor, IL 61957

$179,9003 Beds · 2 Baths · 1,292 Sq Ft · 0.52 Acres
Bruce Steinke

Bruce Steinke

Shelby Realty Services

Bedrooms
3
Bathrooms
2
Square Feet
1,292
Lot Size
0.52 acres
Year Built
2010
Garage
2 car
Stories
1
Type
Single Family Home
MLS #
6261723

Own a home in Windsor?

60 homes sold in Windsor in the last 24 months, at a median of $105,500.

About This Property

420 Elm Street is a 3-bedroom, 2-bath, 1,292 sq ft home on 0.52 acres in Windsor, IL, listed at $179,900 by Shelby Realty Services.

Well maintained 3 bedroom, 2 bath home on the edge of town.

Features

  • •Stories: 1 Story
  • •Garage: 2 Car
  • •Sewer: Public Sewer
  • •Style: Ranch
  • •Total Rooms: 5
  • •Basement: Crawl Space
  • •Above Grade Finished Area: 1292
  • •Appliances: Gas Water Heater, None
  • •Attached Garage: Yes
  • •Construction Materials: Vinyl Siding
  • •Cooling: Central Air
  • •Foundation Details: Crawlspace

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Location

420 Elm Street, Windsor, IL 61957

Street view near 420 Elm Street, Windsor, IL 61957
Street view near this address — Google, May 2025. The camera faces this parcel from the nearest panorama on the road, which can show a neighbour’s frontage instead. Opens in Google Street View.
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This parcel in gold, the neighbours in white (hover to name one, click to open it) · PIN 2409-36-11-202-001. Parcel lines are approximate, for reference only — not a survey, and not a guarantee of boundary location or acreage.

About This Location

School district
Windsor Community Unit School District 1

Grades PK-12

Fire protection district
Windsor Fire
Community college district
Lakeland Jr. College
Parcel number
2409-36-11-202-001

Reference-layer screening only — school district, zoning, TIF, and district boundaries are as-published by the county/state and are not a legal determination; confirm with the district/county authority.

Sources: Illinois State Board of Education / UIUC IECAM (2023) · Shelby County / Bruce Harris & Associates (REACH)

Schools

Served by Windsor CUSD 1 (P-12)

District website

Windsor Elem School

Grades PK - 6
CommendableIllinois State Board of Education, 2025
Enrollment
225
Student attendance rate
94.8%
Chronic absenteeism
15%
ELA growth percentile
40th
View full Illinois Report Card

Windsor Jr & Sr High School

Grades 7 - 12
CommendableIllinois State Board of Education, 2025
Enrollment
119
Student attendance rate
93.6%
Chronic absenteeism
20.4%
4-year graduation rate
72.2%
9th grade on track
88%
ELA growth percentile
46th
View full Illinois Report Card

Illinois ESSA summative designation, best to lowest: Exemplary, Commendable, Targeted, Comprehensive, Intensive.

District boundary, not an attendance-zone lookup. Illinois' downstate districts are unit (PK-12) districts where the district boundary is effectively the attendance area, but within-district school assignment, boundary changes, and enrollment eligibility are set by the district — confirm with them directly.

Published by ISBE 'AS IS' without warranty of any kind. Report Card figures are self-reported by districts and are a point-in-time state publication, not a verified measure of any individual student's experience. Confirm enrollment eligibility and current school assignment with the district directly.

Source: Illinois State Board of Education — Illinois Report Card (illinoisreportcard.com) and Directory of Educational Entities.

The town

What it is like to live in Windsor

What it really costs to live here

The lines a payment calculator cannot know — read from the county record and the federal maps for this address, with the source beside each one.

Property tax, from the record

Owner-occupied

$2,600 / yr

about $217 a month

Owner-occupied, 65+

$2,119 / yr

both homestead exemptions

No exemptions

$2,960 / yr

a rental or second home

Assessed value $49,278 × the 2024 rate of 6.01% for tax code 24002 (Windsor Township), billed in 2025. On the asking price that is an effective 1.45%.

The owner-occupied figures take the General Homestead ($6,000 off the assessed value) and Senior Citizens ($8,000) exemptions; the senior freeze, veterans’ and home-improvement exemptions are not shown and can lower a bill further. The rate is the newest the clerk has published; the next levy will move it a little, and a sale can prompt a reassessment. Sources: Shelby County Clerk, Tax Codes and Districts Catalog, 2024 (payable 2025) and the assessor's current file. The bill of record is the treasurer's: Erica Firnhaber, Shelby County Treasurer.

USDA zero-down loan

This address is in USDA-eligible territory. The Rural Development guaranteed loan needs no down payment; a modest guarantee fee (1% up front, 0.35% a year) stands in for conventional mortgage insurance. Most buyers from a city have never been told it exists.

Eligibility of the property, checked against USDA's own map on 2026-11-02. The household income limit and the home's condition are the lender's call; any USDA-approved lender can say in a phone call.

Internet

In Windsor, 100% of locations can get 100/20 Mbps service; fiber reaches 80.6%; gigabit 80.6%. Wired and fixed-wireless service on offer: Cable, Copper, Fiber, Licensed Fixed Wireless.

Town-level from the FCC's Broadband Data Collection — not a per-address check; confirm with the provider before you rely on it. Not endorsed or certified by the FCC.

Estimated Homeowner Payments

A planning estimate — not a loan offer, a pre-approval, or a quote. Every figure below is yours to change.

Estimated monthly cost

$1,314

Principal & interest
$981
Taxes (from the record)
$217
Insurance
$117

Taxes are this parcel’s bill from the county record — assessed value × the clerk’s 2024 rate, less the General Homestead Exemption — not a percentage of the price. The worksheet lets you change it.

Covers the mortgage payment, taxes and insurance. Open the breakdown to add utilities and an upkeep set-aside — both are real monthly costs of owning a home, and we have not guessed at them for you.

Estimates for planning only. This is not an offer to lend, a commitment to lend, or an advertisement of credit terms, and it does not include loan costs such as origination, title or closing fees — your lender provides those on a Loan Estimate. Taxes, insurance, utilities and upkeep are assumptions and will differ from actual amounts. Shelby Realty Services does not guarantee any figure shown here.

Questions About This Property

About the property

How much is 420 Elm Street in Windsor, IL?

420 Elm Street in Windsor, IL is listed at $179,900 by Shelby Realty Services (MLS #6261723). That is about $139 per square foot.

How many bedrooms and bathrooms does 420 Elm Street have?

420 Elm Street in Windsor, IL has 3 bedrooms, 2 bathrooms, 1,292 square feet, 1 storey, built in 2010, on 0.52 acres.

Does 420 Elm Street have a garage?

Yes — 420 Elm Street in Windsor, IL has a 2-car garage, and the house is 1 storey. The full feature list from the MLS listing is on this page.

How old is 420 Elm Street?

420 Elm Street was built in 2010, so it is about 16 years old according to the listing.

What kind of home is 420 Elm Street?

420 Elm Street is listed as a ranch-style home, on one story, with 1,292 square feet of living space.

How much land comes with 420 Elm Street?

The lot is 0.52 acres according to the listing.

What features does 420 Elm Street have?

The listing notes public sewer, a crawl space, gas water heater included, vinyl siding construction and central air cooling. The full description and every photo are on this page.

When was 420 Elm Street listed for sale?

420 Elm Street came on the market on November 1, 2026, listed by Bruce Steinke of Shelby Realty Services.

The location and the community

What school district serves 420 Elm Street?

420 Elm Street in Windsor, IL sits inside the Windsor Community Unit School District 1 (Grades PK-12) boundary, matched to parcel 2409-36-11-202-001 rather than to the mailing address. District boundaries and school assignment should be confirmed with the district before you rely on them.

Which fire protection district covers 420 Elm Street?

420 Elm Street in Windsor, IL is in the Windsor Fire. This is the district the parcel falls in, per Illinois boundary data.

What county is 420 Elm Street in?

420 Elm Street is in Windsor, in Shelby County, Illinois.

What other districts serve 420 Elm Street?

The parcel sits in the Lakeland Jr. College community college district, per the county's published district boundaries.

Which schools serve 420 Elm Street?

The district's schools are Windsor Elem School (PK - 6) and Windsor Jr & Sr High School (7 - 12). That is the district boundary, not an attendance-zone lookup — confirm the assignment with the district.

What is Windsor like to live in?

Windsor is a village of a little over a thousand people where Illinois Routes 16 and 32 meet, roughly halfway between Shelbyville and Mattoon and about twenty-five minutes from Effingham. It is the largest town on the southeast side of Lake Shelbyville, and for one weekend every August it hosts what is billed as the longest-running festival in Illinois. It has kept a grocery store, a library and a picnic well over a century old in a town of a thousand, and it sits close enough to Lithia Springs and the lake that summer starts at the end of the driveway. For a lake buyer who wants a real town behind the cabin, this is the one. Our full Windsor guide is on this site.

What should I know about Windsor before buying there?

Our Windsor guide covers Where it sits, Origins, The Harvest Picnic, Main Street, Lake Shelbyville and Lithia Springs, Schools and community and Living here — written by the office that works there, not scraped.

The market

What do homes sell for in Windsor?

60 homes sold in Windsor in the last 24 months, at a median of $105,500 — recorded county transfers, not asking prices. The Windsor market page has the detail.

Buying it

Who is the listing agent for 420 Elm Street?

Bruce Steinke of Shelby Realty Services, (217) 774-4800. Bruce has been to the property and answers questions about it directly.

Can I still view 420 Elm Street?

420 Elm Street in Windsor, IL is sale pending, so further showings are at the seller's discretion. Call Shelby Realty Services on (855) 215-3400 to ask whether back-up offers are being taken and what else is available in and around Windsor.

Get the full property report

Every photo, the video and the parcel on the map, plus parcel details, flood and risk screening, and the districts this property sits in — compiled from public and licensed data and emailed to you straight away.

By submitting you agree to be contacted about this property. We never sell your information.

Your Listing Agent

Bruce Steinke

Bruce Steinke

Shelby Realty Services

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