




40W913 Trotter Ln, St Charles, IL, 60175
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
Schools
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
- Tornado
- Inland Flooding
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 | $5,941 | $71,292 |
| Home Insurance * | $454 | $5,448 |
| Property Taxes | $647 | $7,764 |
| Electricity | $530 | $6,364 |
| Total | $7,572 | $90,864 |
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 |
|---|---|---|
| 2021-06-03 | Sold | $835,000 |
| 2008-04-09 | Sold | $700,000 |
| 2004-10-08 | Sold | $732,000 |
