864 N Shady Oaks Dr #864, Elgin, IL, 60120
About This Home
Rare raised ranch model in Cobblers Crossing . 6 steps up to upper level and 6 steps down to lower level. 3 bedroom, 3 baths. subdivision features winding roads with tall mature trees. LR/DR, kitchen feature vaulted ceilings. Big LR/DR combo perfect size for family gatherings. Balcony off dining room. Kitchen features loads of raised paneled oak cabinets, molding, 2 story pantry and vinyl wood flooring. master is in great size has walk in closet and private master bath. 2 bedroom decent sizes with lots of closets. Big family room with sliding glass door to patio. 3rd bedroom in lower level with full bath and lots of closet space. Big 2 1/2 car garage has ample storage space. Newer furnace and AC. Sold as ise
Getting Around
Somewhat Walkable
Some Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1995
Materials
- Foundation: Concrete Perimeter
- Roof: Asphalt
- Construction materials: Aluminum Siding,Brick
Type & Style
- Home type: Condo
- Property subType: Condominium,Single Family Residence
Interior
Appliances
- Appliances included: Range,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Disposal
Basement
- Has basement: Yes
- Basement: Finished,Full
Bedroom2
- Features: Flooring (Carpet)
- Level: Main
- Area: 100
- Dimensions: 10X10
Bedroom3
- Level: Basement
- Area: 110
- Dimensions: 11X10
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Features: Flooring (Carpet)
- Level: Main
- Area: 110
- Dimensions: 11X10
Family Room
- Level: Basement
- Area: 154
- Dimensions: 14X11
Heating & Cooling
- Heating features: Natural Gas,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 0
- Total interior livable area: 1,700 sqft
Kitchen
- Features: Flooring (Vinyl)
- Level: Main
- Area: 196
- Dimensions: 14X14
Laundry
- Level: Basement
- Area: 24
- Dimensions: 6X4
Living Room
- Features: Flooring (Carpet)
- Level: Main
- Area: 221
- Dimensions: 17X13
Master Bedroom
- Features: Flooring (Carpet),Bathroom (Full)
- Level: Main
- Area: 176
- Dimensions: 16X11
Property
Accessibility
- Accessibility features: No Disability Access
Details
- Parcel number: 06074060391003
- Special condition: None
Features
- Exterior features: Balcony
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
- Tornado
- Heat Wave
- Inland Flooding
- Strong Wind
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,516 | $18,192 |
| Home Insurance * | $159 | $1,908 |
| Property Taxes | $432 | $5,184 |
| Electricity | $130 | $1,569 |
| Total | $2,237 | $26,844 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-29 | Listed for sale | $299,900 |
| 2026-07-29 | Listing removed | $309,900 |
| 2026-07-13 | Price change | $309,900 |
| 2026-06-23 | Listed for sale | $315,000 |
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