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

40W913 Trotter Ln, St Charles, IL, 60175

5beds
6baths
6,896sqft
$1,175,000
$170price/sqft
$7,572/moest. monthly cost
$302,880/yrincome needed

About This Home

Available now is this exceptional estate offering 5 bedrooms, 5.1 bathrooms, a 3-car garage, and a full finished walkout basement situated on a breathtaking 1.7-acre wooded lot. Surrounded by mature trees and picturesque natural scenery, this home offers a rare combination of privacy, tranquility, and everyday luxury. Expansive windows throughout the home capture beautiful views of the surrounding landscape, creating a seamless connection between indoor living and the beauty of nature. Whether enjoying your morning coffee in the sunroom or relaxing by one of the home's fireplaces, you'll appreciate the peaceful setting and ever-changing seasonal views that make this property truly special. A dramatic two-story foyer welcomes you into the thoughtfully designed open-concept floor plan. The heart of the home is the stunning sunroom, surrounded by walls of windows that frame picturesque woodland views and flood the space with natural light year-round. The gourmet chef's kitchen features a massive center island, granite countertops, a resurfaced fireplace, butler's pantry, and abundant cabinetry, seamlessly connecting the indoor living spaces to the beauty of the outdoors. The impressive two-story family room features a floor-to-ceiling brick fireplace and soaring windows that bring the surrounding landscape inside, creating a warm and inviting atmosphere. A first-floor bedroom with a full bath offers excellent flexibility for a home office, guest suite, or in-law arrangement. All new light fixtures throughout the home provide a fresh, updated feel. The spacious primary suite serves as a private retreat, featuring a cozy fireplace, picturesque views of the surrounding landscape, and a spa-inspired bath with dual vanities, a walk-in shower, soaking tub, and a generously walk-in closet with additional storage space. Three additional bedrooms are located on the second level, including one with a private en-suite bath. An additional hall bath is thoughtfully designed with dual vanities and a separate room housing the shower and toilet, allowing for added privacy and convenience. The full, finished walkout basement provides endless possibilities, featuring a fireplace, full bathroom, kitchenette, multiple recreation areas ideal for a game room, fitness area, media room, or additional family room, plus extensive storage space. Direct stair access to the garage adds convenience and functionality. Move-in ready and exceptionally maintained, this home offers a unique opportunity to enjoy luxury living surrounded by nature, privacy, and scenic beauty. Bankruptcy sale. Property is being sold "As-Is, Where-Is." Court approval required.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

9/10
Wasco Elementary SchoolGrades K-51.2 mi
7/10
Thompson Middle SchoolGrades 6-84.7 mi
8/10

Construction

Condition

  • Year built: 1993

Materials

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

Notable Dates

  • Major remodel year: 2021

Other

  • Builder model: CUSTOM

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,Water Purifier,Water Softener,Multiple Water Heaters
  • Laundry features: Main Level,Gas Dryer Hookup,Sink

Basement

  • Has basement: Yes
  • Basement: Finished,Exterior Entry,Egress Window,9 ft + pour,Storage Space,Full,Walk-Out Access

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 180
  • Dimensions: 15X12

Bedroom3

  • Features: Flooring (Carpet),Window Treatments (Blinds)
  • Level: Second
  • Area: 168
  • Dimensions: 14X12

Bedroom4

  • Features: Flooring (Carpet),Window Treatments (Blinds)
  • Level: Second
  • Area: 180
  • Dimensions: 15X12

Bedroom5

  • Features: Flooring (Hardwood),Window Treatments (Blinds)
  • Level: Main
  • Area: 221
  • Dimensions: 17X13

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Bonus Room

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 210
  • Dimensions: 14X15

Dining Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 210
  • Dimensions: 15X14

Family Room

  • Features: Flooring (Carpet),Window Treatments (Palladian Windows)
  • Level: Main
  • Area: 437
  • Dimensions: 23X19

Features

  • Cathedral Ceiling(s),Wet Bar,1st Floor Bedroom,In-Law Floorplan,1st Floor Full Bath,Built-in Features,Walk-In Closet(s),Pantry
  • Window features: Screens,Skylight(s)
  • Flooring: Hardwood
  • Number of fireplaces: 4
  • Fireplace features: Double Sided,Wood Burning,Attached Fireplace Doors/Screen,Gas Log,Gas Starter,Family Room,Master Bedroom,Basement
  • Fireplace: Yes
  • Attic: Unfinished

Game Room

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 255
  • Dimensions: 15X17

Heating & Cooling

  • Heating features: Natural Gas,Forced Air,Sep Heating Systems - 2+,Zoned
  • Cooling features: Central Air,Zoned

Interior Area

  • Total structure area: 6,896
  • Total interior livable area: 6,896 sqft

Kitchen

  • Features: Kitchen (Eating Area-Breakfast Bar,Eating Area-Table Space,Island,Pantry-Butler,Pantry-Walk-in,Granite Counters,Updated Kitchen),Flooring (Hardwood)
  • Level: Main
  • Area: 322
  • Dimensions: 23X14

Kitchen2Nd

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 154
  • Dimensions: 14X11

Laundry

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

Living Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 240
  • Dimensions: 16X15

Master Bedroom

  • Features: Flooring (Carpet),Window Treatments (Blinds),Bathroom (Full)
  • Level: Second
  • Area: 525
  • Dimensions: 25X21

Other

  • Features: Flooring (Ceramic Tile),Window Treatments (Palladian Windows)
  • Level: Main
  • Area: 224
  • Dimensions: 16X14

Other

  • Features: Flooring (Other)
  • Level: Basement
  • Area: 342
  • Dimensions: 18X19

Other

  • Features: Flooring (Other)
  • Level: Basement
  • Area: 208
  • Dimensions: 16X13

Recreation Room

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 432
  • Dimensions: 18X24

Storage

  • Level: Basement
  • Area: 247
  • Dimensions: 19X13

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0826151006
  • Special condition: Court Approval Required,Bankruptcy Property
  • Other equipment: Water-Softener Owned,TV-Cable,Intercom,Ceiling Fan(s),Sump Pump,Radon Mitigation System

Features

  • Stories: 2
  • Patio & porch: Deck

Lot

  • Lot size: 1.70 Acres
  • Features: Cul-De-Sac,Landscaped,Wooded,Mature Trees

Parking

  • Total spaces: 3
  • Parking features: Asphalt,Garage Door Opener,Heated Garage,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
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding

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 $5,941$71,292
Home Insurance *$454$5,448
Property Taxes $647$7,764
Electricity $530$6,364
Total$7,572$90,864
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$259,611/yr
40% on housing$227,160/yr
45% on housing$201,920/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

$170This listing

vs Other Active Listings

Avg $/sqft

ZIP 60175$237
Kane County$213

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
2021-06-03Sold$835,000
2008-04-09Sold$700,000
2004-10-08Sold$732,000

For Sale by Agent

AgentVik Saluja
BrokerageReal Properties Realty Group, Inc.

Similar Homes