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1104 Oak Bend Rd, Sandwich, IL, 60548

3beds
2baths
1,601sqft
$412,990
$258price/sqft
$3,159/moest. monthly cost
$126,360/yrincome needed

About This Home

Move into your new ranch home this fall at Fairwinds, the lowest-priced new homes on the largest homesites in the Chicagoland area. This 3-bedroom, 2-bath ranch home combines comfort, style, and ease with main-level living. The open kitchen features truffle cabinetry, quartz counters, a spacious island, stainless steel appliances, and luxury vinyl plank flooring throughout the main living areas. Retreat to your luxurious owner's suite with a tray ceiling, walk-in closet and en-suite bath complete with dual vanities. A full unfinished basement offers room for storage or a future additional living space. Enjoy peaceful views with no rear neighbors. Your spacious homesite backs to open space and includes a rear covered porch, the perfect place to enjoy your coffee or an evening unwinding. Visit today to learn and secure your summer move-in.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
5/10
Sandwich Middle SchoolGrades 6-81.4 mi
5/10

Construction

Condition

  • Property condition: New Construction,Under Construction
  • New construction: Yes
  • Year built: 2026

Other

  • Builder name: Ryan Homes

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Cooling

  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,601 sqft

Property

Features

  • Levels: 1.0
  • Stories: 1

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Inland Flooding
Ice Storm
Lightning

FEMA Declared Disasters Across Illinois Counties

Flood

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,088$25,056
Home Insurance *$171$2,052
Property Taxes $770$9,240
Electricity $130$1,569
Total$3,159$37,908
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,308/yr
40% on housing$94,770/yr
45% on housing$84,240/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$258This listing

vs Other Active Listings

Avg $/sqft

ZIP 60548$160
DeKalb County$184

vs Homes Sold Last Month

Median $/sqft

ZIP 60548$213
DeKalb County$178

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-01-15Listed for sale$411,665

New Construction Spec

BrokerageRyan Homes

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