542 Waterford Ln, South Elgin, IL, 60177
About This Home
Location. Value. Opportunity. Welcome home to 542 Waterford Lane! This well-kept 4 bedroom, 2.1 bath home offers real space and a smart layout at a price that makes sense. A solid home that's been genuinely taken care of, with the big-ticket items already done for you: a new roof in 2020, siding replaced in 2016, a newer AC system in 2018, and a kitchen refreshed in 2021 with quartz counters and a full set of stainless steel appliances added in 2025. What's in it for you? Less to worry about and more to live on! All this in a central location and within St. Charles 303 schools! A solid home, a GREAT school district, and the hard work already done. That's a combination that doesn't come around often...see this one soon!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2000
Materials
- Foundation: Concrete Perimeter
- Roof: Asphalt
- Construction materials: Vinyl Siding
Other
- Builder model: Madison
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Disposal,Stainless Steel Appliance(s),Humidifier
Basement
- Has basement: Yes
- Basement: Unfinished,Full
Bedroom2
- Features: Flooring (Carpet)
- Level: Second
- Area: 100
- Dimensions: 10X10
Bedroom3
- Features: Flooring (Carpet)
- Level: Second
- Area: 110
- Dimensions: 10X11
Bedroom4
- Features: Flooring (Carpet)
- Level: Second
- Area: 143
- Dimensions: 13X11
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Features: Flooring (Hardwood)
- Level: Main
- Area: 120
- Dimensions: 10X12
Family Room
- Features: Flooring (Carpet)
- Level: Main
- Area: 270
- Dimensions: 18X15
Features
- Attic: Unfinished
Heating & Cooling
- Heating features: Natural Gas,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 0
- Total interior livable area: 2,103 sqft
Kitchen
- Features: Kitchen (Eating Area-Breakfast Bar,Eating Area-Table Space,Island,Pantry-Closet),Flooring (Vinyl)
- Level: Main
- Area: 180
- Dimensions: 12X15
Laundry
- Features: Flooring (Vinyl)
- Level: Main
- Area: 110
- Dimensions: 10X11
Living Room
- Features: Flooring (Hardwood)
- Level: Main
- Area: 156
- Dimensions: 12X13
Master Bedroom
- Features: Flooring (Carpet),Bathroom (Full)
- Level: Second
- Area: 180
- Dimensions: 12X15
Property
Accessibility
- Accessibility features: No Disability Access
Details
- Parcel number: 0903228034
- Special condition: None
- Other equipment: Water-Softener Owned,TV-Cable,Ceiling Fan(s),Sump Pump
Features
- Stories: 2
- Patio & porch: Patio
Lot
- Lot size: 8,450 sqft
- Lot size dimensions: 65 X 130
Parking
- Total spaces: 2
- Parking features: Asphalt,Garage Door Opener,Yes,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
- Inland Flooding
- Tornado
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 | $2,275 | $27,300 |
| Home Insurance * | $172 | $2,064 |
| Property Taxes | $817 | $9,804 |
| Electricity | $161 | $1,941 |
| Total | $3,425 | $41,100 |
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 |
|---|---|---|
| 2008-10-01 | Sold | $270,000 |
| 2008-07-10 | Price change | $287,900 |
| 2008-06-17 | Price change | $294,900 |
| 2008-05-28 | Listed for sale | $299,900 |
| 2000-02-15 | Sold | $203,500 |
For Sale by Agent
View on Zillow