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39W509 Norton Lake Dr, Campton Hills, IL, 60175

5beds
5baths
3,420sqft
$979,000
$286price/sqft
$7,369/moest. monthly cost
$294,760/yrincome needed

About This Home

Waterfront Living in Sought-After Norton Lake - West St. Charles Experience exceptional waterfront living in this beautifully designed home, less than 10 years old, over 5,000 sqft of living on all three levels and ideally situated on picturesque Norton Lake. Perfectly positioned to capture peaceful water views and abundant natural light, this residence offers an open, spacious floor plan that truly lives large. The dramatic two-story family room features soaring vaulted ceilings and a stunning fireplace, creating a warm and inviting focal point while showcasing breathtaking lake views through expansive windows. The thoughtfully designed layout includes a private first-floor office, ideal for working from home. Upstairs, you'll find four generously sized bedrooms, including a luxurious primary suite with a spacious walk-in closet and spa-inspired bath. Two of the secondary bedrooms are connected by a convenient Jack-and-Jill bath, while an additional bedroom enjoys its own en-suite, providing comfort and flexibility for family and guests. The finished walk-out basement is perfectly suited for multi-generational living or elevated entertaining, complete with a kitchen (cook top, refrigerator and dishwasher) , dining area, living space, large bedroom, laundry and full bath. Whether used as a private guest retreat or an incredible gathering space, this lower level offers endless possibilities. Outdoor living is equally impressive with a huge deck, expansive patio, and charming pergola overlooking tranquil water views - perfect for relaxing or entertaining. Enjoy scenic walking paths throughout the neighborhood and ideal south-north sun exposure that fills the home with natural light year-round. Home is energy efficient with solar panels. A rare opportunity to own a newer waterfront home in one of St. Charles' most desirable communities, combining beautiful design, functional living space, and an unbeatable setting. St Charles Schools and only minutes to downtown St Charles and Randall Rd corridor!

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

10/10
7/10
Thompson Middle SchoolGrades 6-83.5 mi
7/10

Construction

Condition

  • Year built: 2018

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Stone,Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Double Oven,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Range Hood
  • Laundry features: Main Level,Multiple Locations

Basement

  • Has basement: Yes
  • Basement: Finished,Exterior Entry,Rec/Family Area,Storage Space,Full,Walk-Out Access

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 132
  • Dimensions: 11X12

Bedroom3

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

Bedroom4

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 132
  • Dimensions: 11X12

Bedroom5

  • Features: Flooring (Laminate)
  • Level: Basement
  • Area: 270
  • Dimensions: 18X15

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring (Engineered Hardwood)
  • Level: Main
  • Area: 168
  • Dimensions: 12X14

Eating Area

  • Features: Flooring (Engineered Hardwood)
  • Level: Main
  • Area: 96
  • Dimensions: 8X12

Family Room

  • Features: Flooring (Engineered Hardwood)
  • Level: Main
  • Area: 323
  • Dimensions: 19X17

Features

  • Vaulted Ceiling(s),In-Law Floorplan,Walk-In Closet(s),Open Floorplan,Pantry
  • Flooring: Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Gas Starter,Family Room
  • Fireplace: Yes
  • Finished area below ground: 1,836

Heating & Cooling

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

Interior Area

  • Total structure area: 5,256
  • Total interior livable area: 3,420 sqft

Kitchen

  • Features: Kitchen (Eating Area-Table Space,Island,Granite Counters),Flooring (Engineered Hardwood)
  • Level: Main
  • Area: 352
  • Dimensions: 22X16

Kitchen2Nd

  • Features: Flooring (Laminate)
  • Level: Basement
  • Area: 288
  • Dimensions: 16X18

Laundry

  • Level: Main
  • Area: 77
  • Dimensions: 11X7

Living Room

  • Features: Flooring (Engineered Hardwood)
  • Level: Main
  • Area: 168
  • Dimensions: 12X14

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full)
  • Level: Second
  • Area: 418
  • Dimensions: 19X22

Office

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 143
  • Dimensions: 11X13

Other

  • Level: Basement
  • Area: 231
  • Dimensions: 11X21

Recreation Room

  • Features: Flooring (Laminate)
  • Level: Basement
  • Area: 665
  • Dimensions: 35X19

Walk In Closet

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 192
  • Dimensions: 16X12

Walk In Closet

  • Features: Flooring (Laminate)
  • Level: Basement
  • Area: 42
  • Dimensions: 7X6

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0824350011
  • Special condition: None
  • Other equipment: Sump Pump

Features

  • Stories: 2
  • Patio & porch: Deck,Patio
  • Exterior features: Fire Pit
  • Has view: Yes
  • View description: Water,Back of Property
  • Water view: Water,Back of Property
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront

Lot

  • Lot size: 0.37 Acres
  • Features: Backs to Open Grnd
  • Lot size dimensions: 26x93x159x77x170

Parking

  • Total spaces: 3
  • Parking features: Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado

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 $4,950$59,400
Home Insurance *$378$4,536
Property Taxes $1,778$21,336
Electricity $263$3,156
Total$7,369$88,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$252,651/yr
40% on housing$221,070/yr
45% on housing$196,506/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: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$286This listing

vs Other Active Listings

Avg $/sqft

ZIP 60175$234
Kane County$212

vs Homes Sold Last Month

Median $/sqft

ZIP 60175$211
Kane County$207

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
2026-05-12Price change$999,000
2026-04-12Listed for sale$1,050,000
2018-12-12Sold$539,900

For Sale by Agent

AgentMeg Whitted
BrokerageBaird & Warner Fox Valley - Geneva

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