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107 Comanche Trl, Loda, IL, 60948

5beds
3baths
3,426sqft
$440,000
$128price/sqft
$3,519/moest. monthly cost
$140,760/yrincome needed

About This Home

If you've been dreaming of lakefront living with breathtaking water views, your own sandy beach, and unforgettable sunsets, this is the home you've been waiting for! This exceptional waterfront property offers 5 spacious bedrooms, 3 full baths, and a 2-car attached temperature-controlled garage, combining luxury, comfort, and everyday functionality. Designed with entertaining and relaxed lake living in mind, the open-concept kitchen and dining area flow effortlessly into a bright sunroom and out to the expansive deck, where you'll enjoy panoramic lake views year-round. Even better, you'll have a front-row seat to spectacular holiday fireworks displays right from your own back deck. Inside, two gas log fireplaces—including a stunning two-sided fireplace in the walkout basement—create warm, inviting spaces to gather with family and friends. The main level features a convenient laundry room, while a second laundry area in the walkout basement provides added convenience for guests, larger households, or busy days spent enjoying the lake. A reverse osmosis water system adds quality and efficiency throughout the home. Step outside to discover resort-style outdoor living. The newly built upper deck leads to a custom stone patio by way of a beautiful spiral staircase, where you'll find a relaxing hot tub overlooking the water. Professionally designed landscaping enhances the home's curb appeal, while the included extra lot next door offers additional space, privacy, and endless possibilities. As an added bonus, the interior of the home will be professionally painted before closing. With an acceptable offer submitted soon, the new owner will have the opportunity to choose their own paint colors, adding a personal touch before move-in day. Recent updates include a new furnace and air conditioning system installed in 2023, providing added peace of mind for years to come. Whether you're searching for a year-round residence or the ultimate lakefront getaway, this remarkable home offers the perfect blend of modern updates, incredible outdoor living, and breathtaking waterfront views. Opportunities like this are rare—schedule your private showing today and start making memories on the lake!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1993

Materials

  • Foundation: Basement
  • Roof: Other
  • Construction materials: Brick,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Microwave,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Basement

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: Main

Features

  • Bath in Primary Bedroom,Main Level Primary
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 1,713
  • Finished area above ground: 1,713

Heating & Cooling

  • Heating features: Electric,Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,426
  • Total interior livable area: 3,426 sqft

Kitchen

  • Level: Main

Kitchen

  • Level: Basement

Laundry

  • Level: Basement

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Recreation

  • Level: Basement

Sunroom

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 3617380003000
  • Zoning: B-1
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • On waterfront: Yes
  • Waterbody name: Lake Iroquois

Lot

  • Lot size: 3,484 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Tornado
Hail
Lightning
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 $2,224$26,688
Home Insurance *$482$5,784
Property Taxes $550$6,600
Electricity $263$3,162
Total$3,519$42,228
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,651/yr
40% on housing$105,570/yr
45% on housing$93,840/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$128This listing

vs Other Active Listings

Avg $/sqft

ZIP 60948$142
Iroquois County$143

vs Homes Sold Last Month

Median $/sqft

ZIP 60948
Iroquois County$95

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
2026-05-11Listed for sale$440,000
2024-12-30Sold$360,000
2024-12-11Pending sale$429,900
2024-11-26Listed for sale$429,900
2024-09-17Listing removed$429,900
2024-07-15Listed for sale$429,900
2018-04-05Sold$320,000

For Sale by Agent

AgentCarol Meinhart
BrokerageThe Real Estate Group LLC

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