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8511 White Oaks Ct, Wonder Lake, IL, 60097

4beds
3baths
2,193sqft
$409,900
$187price/sqft
$3,034/moest. monthly cost
$121,360/yrincome needed

About This Home

DESIRABLE TWO-STORY HOME WITH AN ATTACHED 2-CAR GARAGE ~ PREMIUM LOT WITH NO NEIGHBORS BEHIND OR IN FRONT FOR ADDED PRIVACY ~ OPEN CONCEPT FLOORPLAN PERFECT FOR ENTERTAINING AND EVERYDAY LIVING ~ FLEX ROOM OFF THE FOYER IDEAL FOR A HOME OFFICE, PLAYROOM, OR FORMAL LIVING SPACE ~ SPACIOUS FAMILY ROOM, DINING ROOM, AND KITCHEN FLOW SEAMLESSLY TOGETHER ~ BEAUTIFUL QUARTZ COUNTERTOPS ~ STYLISH ARISTOKRAFT CABINETS ~ EXPANDED BASEMENT OFFERING ADDITIONAL SPACE AND STORAGE POTENTIAL ~ BUILT IN 2024 WITH MODERN MECHANICALS AND MANY SYSTEMS STILL UNDER MANUFACTURER WARRANTY ~ 9' FIRST FLOOR CEILINGS ~ VINYL FLOORING IN FAMILY ROOM ~ CONVENIENT SECOND FLOOR LAUNDRY ROOM ~ LARGE BEDROOMS WITH WALK-IN CLOSETS ~ PRIVATE OWNER'S SUITE WITH WALK-IN CLOSET AND EN SUITE BATHROOM ~ 30-YEAR ARCHITECTURAL SHINGLES ~ LOCATED IN A COMMUNITY FEATURING AN 816-ACRE PRIVATE LAKE WITH GATED BOAT LAUNCH ACCESS ~ ENJOY LOOKOUT POINT PARK, WALKING PATHS, AND BEAUTIFUL NATURE THROUGHOUT THE COMMUNITY!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

5/10
10/10
8/10
Northwood Middle SchoolGrades 6-85.4 mi

Construction

Condition

  • Year built: 2024

Materials

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

Other

  • Builder model: Starling D

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater
  • Laundry features: Upper Level,In Unit

Basement

  • Has basement: Yes
  • Basement: Unfinished,Full

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 140
  • Dimensions: 14X10

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 130
  • Dimensions: 13X10

Bedroom4

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 144
  • Dimensions: 12X12

Bedrooms & Bathrooms

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

Den

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 99
  • Dimensions: 11X9

Dining Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 154
  • Dimensions: 14X11

Family Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 272
  • Dimensions: 17X16

Features

  • Walk-In Closet(s),High Ceilings,Quartz Counters
  • Door features: Panel Door(s),Sliding Glass Door(s)
  • Window features: Screens

Heating & Cooling

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

Interior Area

  • Total structure area: 3,291
  • Total interior livable area: 2,193 sqft

Kitchen

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 154
  • Dimensions: 14X11

Laundry

  • Level: Second
  • Area: 30
  • Dimensions: 6X5

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full)
  • Level: Second
  • Area: 272
  • Dimensions: 17X16

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0812204012
  • Special condition: None
  • Other equipment: Sump Pump,Radon Mitigation System

Features

  • Stories: 2
  • Fencing: Fenced

Lot

  • Lot size: 0.33 Acres
  • Lot size dimensions: 130X96X130X96

Parking

  • Total spaces: 4
  • Parking features: Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,Driveway,Garage Faces Front,Owned,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Strong Wind
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
Other
Severe Storm
Straight Line Winds
Tornado

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 $2,072$24,864
Home Insurance *$201$2,412
Property Taxes $593$7,116
Electricity $168$2,024
Total$3,034$36,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,022/yr
40% on housing$91,020/yr
45% on housing$80,906/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: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$187This listing

vs Other Active Listings

Avg $/sqft

ZIP 60097$189
McHenry County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 60097$189
McHenry County$187

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
2026-07-14Price change$409,900
2026-06-11Listed for sale$415,000
2024-02-29Sold$328,200
2024-01-24Contingent$344,900
2024-01-13Price change$345,900
2024-01-09Price change$344,900
2024-01-03Price change$347,900
2023-12-28Price change$344,900
2023-12-24Price change$345,900
2023-11-29Price change$344,900
2023-11-21Listed for sale$366,915

For Sale by Agent

AgentMary Darnell
BrokerageHomeSmart Connect LLC

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