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6N777 Palomino Dr, St Charles, IL, 60175

4beds
3baths
2,850sqft
$889,900
$312price/sqft
$6,677/moest. monthly cost
$267,080/yrincome needed

About This Home

Turnkey Equestrian Property | Professional Horse Setup | 3.6 Acres Built with the equestrian lifestyle in mind, this fully equipped horse property offers the functionality, infrastructure, and land setup serious horse owners look for, all within award-winning St. Charles School District 303 and featuring horse trails within the subdivision. The professionally built 200 x 75 outdoor riding arena was designed for year-round usability with an integrated drainage tile system, 6-inch limestone base, and 3 inches of torpedo sand footing. Suitable for multiple disciplines including English, jumping, western, and dressage, the arena was thoughtfully built to support both everyday riding and training needs. The expandable barn includes water, electric, three walk-out stalls, tack room, loft storage, updated automatic garage door, all-weather water access, updated electrical, trailer parking capability, and room for future expansion. Designed for both horse and rider, the property features five graded paddocks plus pasture, all-season limestone paddocks, PVC and cedar fencing, hot wire, grading and drainage enhancements, mature trees for privacy, and an invisible dog fence for added flexibility. The nearly 2,900 sq ft home offers 4 bedrooms and 2.5 baths with extensive updates throughout. Hardwood floors run throughout the home, including newly installed flooring upstairs and a refinished main level and staircase. Fresh paint and updated finishes create a clean, move-in ready feel. The family room is filled with natural light and centered around a warm fireplace, while the kitchen includes a Viking stove, new appliances, and updated finishes. Major improvements include attic insulation in 2026, furnace and A/C, whole-house humidifier, new water softener, 2025 well rust filtration system, new well ejector pump, Ecobee smart system, and new washer and dryer. The full unfinished basement includes built-in shelving and a bathroom rough-in, offering future expansion potential. Properties with this level of equestrian infrastructure, maintenance, and long-term investment rarely come to market. Move in, bring your horses, and ride.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
Wasco Elementary SchoolGrades K-52.1 mi
7/10
Thompson Middle SchoolGrades 6-86.1 mi
8/10

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Disposal,Trash Compactor
  • Laundry features: In Unit

Basement

  • Has basement: Yes
  • Basement: Unfinished,Full

Bedroom2

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

Bedroom3

  • Features: Flooring (Hardwood)
  • Level: Second
  • Area: 120
  • Dimensions: 12X10

Bedroom4

  • Features: Flooring (Hardwood)
  • Level: Second
  • Area: 374
  • Dimensions: 22X17

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 156
  • Dimensions: 13X12

Family Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 345
  • Dimensions: 23X15

Features

  • Vaulted Ceiling(s),Walk-In Closet(s),Open Floorplan
  • Window features: Skylight(s),Bay Window(s),Blinds
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Family Room
  • Fireplace: Yes
  • Attic: Full

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,850 sqft

Kitchen

  • Features: Kitchen (Eating Area-Table Space),Flooring (Hardwood)
  • Level: Main
  • Area: 273
  • Dimensions: 21X13

Living Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 231
  • Dimensions: 21X11

Master Bedroom

  • Features: Flooring (Hardwood),Bathroom (Full)
  • Level: Second
  • Area: 252
  • Dimensions: 21X12

Mud Room

  • Features: Flooring (Laminate)
  • Level: Main
  • Area: 64
  • Dimensions: 8X8

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0810277004
  • Special condition: None

Features

  • Stories: 2
  • Patio & porch: Deck,Porch,Screened

Lot

  • Lot size: 3.80 Acres
  • Lot size dimensions: 268x407x358x410

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 WaveRelatively High
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
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 $4,499$53,988
Home Insurance *$343$4,116
Property Taxes $1,616$19,392
Electricity $219$2,630
Total$6,677$80,124
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$228,925/yr
40% on housing$200,310/yr
45% on housing$178,053/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

$312This 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
2026-04-29Price change$1,100,000
2026-04-09Listed for sale$1,199,000
2010-07-07Sold$375,500
2010-05-21Price change$424,000
2010-03-30Price change$448,000
2010-03-08Listed for sale$460,000

For Sale by Agent

AgentToni Spena, ABR
BrokerageColdwell Banker Realty

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