See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

8650 Saddlebred Ct #8650, Frankfort, IL, 60423

4beds
3baths
1,575sqft
$425,000
$270price/sqft
$3,183/moest. monthly cost
$127,320/yrincome needed

About This Home

Unique Windy Hill ranch with 4 bedrooms, two primary suits; one on the main floor and one in the walk out basement. Both suits have whirlpool tubs, shower enclosures and Corian countertops. This unit has newer stainless appliances in the kitchen and an extra white fridge in the lower level. Newer carpeting throughout and beautiful hardwood floors in the first floor main areas. Two heating systems keep this unit cozy when its cold outside. Flexible living spaces make this a unit that you can make your own. Potential office, play area, craft room, or mud room. Ideal for related living, guests or extended stays.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
50
BikeBikeable

Schools

7/10
9/10
8/10

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Cedar,Frame,Stone

Type & Style

  • Home type: Condo
  • Property subType: Condominium,Single Family Residence

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator,Bar Fridge,Washer,Dryer,Disposal,Stainless Steel Appliance(s),Water Softener Owned,Gas Water Heater
  • Laundry features: Gas Dryer Hookup,In Unit,Laundry Chute,Sink

Basement

  • Has basement: Yes
  • Basement: Finished,Concrete,Rec/Family Area,Sleeping Area,Storage Space,Walk-Up Access,Full,Walk-Out Access

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 110
  • Dimensions: 11X10

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 210
  • Dimensions: 15X14

Bedroom4

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 84
  • Dimensions: 12X7

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 210
  • Dimensions: 14X15

Eating Area

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 110
  • Dimensions: 11X10

Family Room

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 280
  • Dimensions: 20X14

Features

  • 1st Floor Bedroom,1st Floor Full Bath,Storage,Walk-In Closet(s),High Ceilings,Granite Counters,Separate Dining Room,Pantry
  • Window features: Window Treatments,Drapes,Double Pane Windows,Screens,Some Wood Windows
  • Flooring: Hardwood,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Attached Fireplace Doors/Screen,Gas Log,Gas Starter,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,575
  • Common walls with other units/homes: End Unit

Heating & Cooling

  • Heating features: Natural Gas,Sep Heating Systems - 2+
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,150
  • Total interior livable area: 1,575 sqft

Kitchen

  • Features: Kitchen (Galley,Pantry-Closet,Granite Counters),Flooring (Hardwood)
  • Level: Main
  • Area: 120
  • Dimensions: 10X12

Laundry

  • Features: Flooring (Other)
  • Level: Basement
  • Area: 60
  • Dimensions: 10X6

Living Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 208
  • Dimensions: 16X13

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full,Double Sink,Whirlpool & Sep Shwr)
  • Level: Main
  • Area: 192
  • Dimensions: 12X16

Mud Room

  • Features: Flooring (Slate)
  • Level: Main
  • Area: 91
  • Dimensions: 13X7

Other

  • Features: Flooring (Painted/Stained)
  • Level: Basement
  • Area: 80
  • Dimensions: 10X8

Sitting Room

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 110
  • Dimensions: 11X10

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 1909233010091005
  • Special condition: None
  • Other equipment: Water-Softener Owned,Ceiling Fan(s),Sump Pump,Sprinkler-Lawn

Features

  • Patio & porch: Deck,Patio

Lot

  • Features: Common Grounds

Parking

  • Total spaces: 2
  • Parking features: Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,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 WaveVery High
  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
Heat Wave
Lightning
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
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 $2,149$25,788
Home Insurance *$161$1,932
Property Taxes $743$8,916
Electricity $130$1,569
Total$3,183$38,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,131/yr
40% on housing$95,490/yr
45% on housing$84,880/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: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$270This listing

vs Other Active Listings

Avg $/sqft

ZIP 60423$220
Will County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 60423$208
Will County$193

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
2026-07-02Listed for sale$425,000
2016-08-15Listing removed$275,000
2016-04-13Listed for sale$275,000

For Sale by Agent

AgentRita Starkey
BrokerageBaird & Warner

Similar Homes