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

995 Sapphire Ln, Montgomery, IL, 60538

4beds
3baths
2,051sqft
$490,990
$239price/sqft
$3,790/moest. monthly cost
$151,600/yrincome needed

About This Home

This 2051 square foot single family home has 4 bedrooms and 3.0 bathrooms. This home is located at 995 Sapphire Ln, Montgomery, IL 60538.

View Virtual Tour

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

5/10
Boulder Hill Elementary SchoolGrades K-52.9 mi
5/10
Thompson Jr High SchoolGrades 6-83.1 mi
8/10
Oswego High SchoolGrades 9-123.9 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

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

Other

  • Builder model: BELLAMY A3 SITE 0096
  • Builder name: D.R. Horton

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Disposal
  • Laundry features: Upper Level,Gas Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Unfinished,Full

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 120
  • Dimensions: 10X12

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 110
  • Dimensions: 10X11

Bedroom4

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

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 112
  • Dimensions: 14X8

Features

  • Walk-In Closet(s),High Ceilings,Pantry,Quartz Counters

Great Room

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 182
  • Dimensions: 14X13

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,051 sqft

Kitchen

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 140
  • Dimensions: 14X10

Laundry

  • Features: Flooring (Luxury Vinyl)
  • Level: Second
  • Area: 48
  • Dimensions: 6X8

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full,Double Sink)
  • Level: Second
  • Area: 234
  • Dimensions: 13X18

Study

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 110
  • Dimensions: 10X11

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0302216010
  • Special condition: Home Warranty

Features

  • Stories: 2

Lot

  • Lot size: 9,000 sqft
  • Lot size dimensions: 75X120

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 WaveVery High
  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
Strong Wind
Heat Wave
Lightning
Winter Weather

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 $2,482$29,784
Home Insurance *$219$2,628
Property Taxes $932$11,184
Electricity $157$1,893
Total$3,790$45,480
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$151,600/yr
35% on housing$129,942/yr
40% on housing$113,700/yr
45% on housing$101,066/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: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$239This listing

vs Other Active Listings

Avg $/sqft

ZIP 60538$180
Kendall County$212

vs Homes Sold Last Month

Median $/sqft

ZIP 60538$202
Kendall County$197

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
2026-04-17Price change$490,990
2026-03-27Price change$489,990
2026-03-05Price change$488,990
2026-02-27Listed for sale$487,990

New Construction Spec

AgentDaynae Gaudio
BrokerageDaynae Gaudio
Phone847-340-3636
View on Zillow

Similar Homes