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520 Kramer Rd, Avon, IL, 61415

5beds
4baths
3,986sqft
$879,000
$221price/sqft
$6,296/moest. monthly cost
$251,840/yrincome needed

About This Home

Your lake front getaway awaits you! This incredible timber frame construction home designed and crafted by North Woods Joinery features over 4,000 sq ft of finished living space and incredible views of pristine Little Swan Lake from all three levels. Exterior amenities include a wraparound deck, screened in porch, large lower level patio, boathouse, beach area, backyard waterfall, commercial grade metal roof, cedar board siding, whole home generator, and much more. The home is being sold with all of the furnishings, decorations, and even the boat! (02 Hurricane W/Yahama 115hp outboard) This home must be seen in person to appreciate the scale and grandeur. Nothing but the highest quality materials were used in constructing the home and is considered by many to be one of the finest homes in the area. Call to schedule your private viewing today.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Hedding Grade SchoolGrades PK-511.9 mi
7/10
4/10
Abingdon-Avon High SchoolGrades 9-1211.5 mi

Construction

Condition

  • Year built: 2001

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Trash compactor,Washer

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Flooring: Carpet,Hardwood
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Baseboard,Forced air,Gas,Propane / Butane
  • Cooling features: Central

Interior Area

  • Total interior livable area: 3,986 sqft

Property

Details

  • Parcel number: 0110052000

Features

  • Exterior features: Wood
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 0.65 Acres

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 WaveRelatively High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Drought
Hail
Heat Wave
Lightning
Strong Wind
Ice Storm
Tornado
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
Severe Storm

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 $4,444$53,328
Home Insurance *$609$7,308
Property Taxes $937$11,244
Electricity $306$3,679
Total$6,296$75,552
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$215,862/yr
40% on housing$188,880/yr
45% on housing$167,893/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -3.9%
-3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$221This listing

vs Other Active Listings

Avg $/sqft

ZIP 61415$61
Warren County$75

vs Homes Sold Last Month

Median $/sqft

ZIP 61415$101
Warren County$55

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
2026-04-11Listed for sale$950,000
2026-01-06Listing removed--
2025-11-23Listed for sale$949,000
2021-04-30Sold$519,000
2021-04-13Pending sale$575,000
2021-03-02Listed for sale$575,000
2020-12-02Listing removed$575,000
2020-10-01Price change$575,000
2020-07-14Price change$595,000
2020-06-17Price change$639,000
2020-04-01Listed for sale$675,000
2013-03-22Sold$444,500

For Sale by Owner

AgentProperty Owner

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