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537 Erma Dr, Somonauk, IL, 60552

4beds
3baths
2,324sqft
$364,900
$157price/sqft
$2,774/moest. monthly cost
$110,960/yrincome needed

About This Home

537 Erma Drive is a sprawling ranch home located within the sought after Lake Holiday community featuring a 328 acre recreational lake with year round activities including 2 beaches, dog park, Pickleball courts, frisbee golf course, skate park, community events + clubs, & so much more! The curb appeal alone will draw you in with the front brick facade, and charming oversized bay window - Once inside, you're sure to pleasantly surprised by the expansiveness of the living spaces, open concept flow, and the soaring ceilings over the front living room! The updated kitchen boasts quartz countertops ('22), white cabinetry, a breakfast bar + rolling island, & some newer appliances while having great connection to a spacious dining space, and sight lines into the living room with connection to the rear 20x20 deck w/ an attached sun setter awning + fully fenced backyard w/ a 10x14 shed feat. a storage loft and power (only 5yo!). The laundry room is conveniently located just off the kitchen and connected to the attached 2.5 car hearted garage which is outfitted with cabinets and a work bench that stay with the home. Down the hall, you'll find an updated hall bathroom, and 3 very generous bedrooms inclusive of a primary suite. PLUS, there's a 4th bedroom/loft with an attached full 3rd bathroom upstairs that allows this home to accommodate not only you, but your guests who are sure to visit you at the lake as well! Some highlight features to 537 Erma Drive include: a concrete patio off the rear deck w/ nearby 220amp to accommodate a hot tub!, a gas line accessible from the crawl space to re-add a fireplace in the primary bedroom if you'd like, beautiful mature landscaping in the front & back of the home w/ "the best" cherry tomatoes!, BRAND NEW BAY WINDOW 2026, NEW SIDING, FASCIA, & OVERSIZED GUTTERS 2025, NEW ROOF W/ RIDGE VENTS 2020, new fire rated door to the home from the garage, a bonus storage room off the upstairs loft, a whole house water filtration system, and very well maintained HWH, WS, & HVAC systems (approx 11yo). The list goes on, but take a look for yourself and don't miss the opportunity to call not only Lake Holiday home to "Be On Vacation Every Day of the Year!", but also to plant roots at 537 Erma Drive for many happy years to come!

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

8/10
9/10
Somonauk Middle SchoolGrades 5-81.1 mi
7/10
Somonauk High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1990

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator,Freezer,Washer,Dryer,Water Softener Owned,Gas Water Heater
  • Laundry features: Main Level,In Unit

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Features: Flooring (Wood Laminate)
  • Level: Main
  • Area: 168
  • Dimensions: 12X14

Bedroom3

  • Features: Flooring (Wood Laminate)
  • Level: Main
  • Area: 144
  • Dimensions: 12X12

Bedroom4

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 360
  • Dimensions: 20X18

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Deck

  • Features: Flooring (Painted/Stained)
  • Level: Main
  • Area: 400
  • Dimensions: 20X20

Dining Room

  • Features: Flooring (Porcelain Tile)
  • Level: Main
  • Area: 273
  • Dimensions: 13X21

Features

  • Cathedral Ceiling(s),1st Floor Bedroom,1st Floor Full Bath,Walk-In Closet(s),Open Floorplan,Quartz Counters
  • Window features: Screens
  • Flooring: Hardwood,Laminate

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,324
  • Total interior livable area: 2,324 sqft

Kitchen

  • Features: Kitchen (Island,Updated Kitchen),Flooring (Porcelain Tile)
  • Level: Main
  • Area: 126
  • Dimensions: 14X9

Laundry

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 120
  • Dimensions: 10X12

Living Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 357
  • Dimensions: 21X17

Master Bedroom

  • Features: Flooring (Wood Laminate),Bathroom (Full,Double Sink)
  • Level: Main
  • Area: 224
  • Dimensions: 16X14

Storage

  • Features: Flooring (Other)
  • Level: Second
  • Area: 133
  • Dimensions: 7X19

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0504304004
  • Special condition: None
  • Other equipment: Water-Softener Owned,Ceiling Fan(s),Sump Pump

Features

  • Stories: 1
  • Patio & porch: Deck,Patio
  • Fencing: Fenced

Lot

  • Lot size: 0.43 Acres
  • Features: Water Rights,Garden
  • Lot size dimensions: 56x200x134x199

Parking

  • Total spaces: 2.5
  • Parking features: Asphalt,Garage Door Opener,Heated Garage,Yes,Garage Owned,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5
  • Has uncovered spaces: Yes

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
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Inland Flooding
Lightning
Winter Weather

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 $1,845$22,140
Home Insurance *$174$2,088
Property Taxes $577$6,924
Electricity $178$2,145
Total$2,774$33,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,108/yr
40% on housing$83,220/yr
45% on housing$73,973/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: 12.1%
12.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$157This listing

vs Other Active Listings

Avg $/sqft

ZIP 60552$196
LaSalle County$140

vs Homes Sold Last Month

Median $/sqft

ZIP 60552$180
LaSalle County$126

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
2026-05-13Price change$378,000
2026-04-03Listed for sale$389,900

For Sale by Agent

AgentNicole Lorenzen, ABR,CSC,PSA,SRS
BrokerageLake Holiday Homes, Inc

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