34 N Adams St, Oswego, IL, 60543
About This Home
Discover a rare Fox Riverfront home for sale in Oswego, Illinois! Situated on a 1.05-acre lot directly across from the Fox River and Veterans Serenity Park, this property offers stunning year-round water views and immediate access to the Fox River Trail right outside your front door. Perfect for biking, jogging, or scenic walks, this location combines outdoor recreation with small-town charm. This 2-bedroom, 1-bath home offers 1,200 sq. ft. of living space filled with natural light. The inviting living room features warm wood-accent walls, a bay window overlooking the park and river, and an open layout that flows into the dining space-ideal for entertaining. The bright kitchen has vaulted ceilings, tile flooring, and plenty of potential for customization. A full basement provides additional storage or expansion space. Car lovers, mechanics, and hobbyists will appreciate the oversized 3-car garage with an extra-high overhead door, perfect for storing boats, RVs, and other outdoor toys. A storage shed is also included. The spacious deck is ideal for morning coffee, weekend BBQs, and watching the sunset over the water. Located just minutes from downtown Oswego's shops, restaurants, and community events, this property offers both tranquility and convenience. Whether you're seeking a single-family home with river views, a vacation home in Oswego, or a prime redevelopment lot in Kendall County, 34 N Adams St is a one-of-a-kind opportunity.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Unfinished,Full
Bedroom2
- Level: Main
- Area: 100
- Dimensions: 10X10
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Level: Main
- Area: 100
- Dimensions: 10X10
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 0
- Total interior livable area: 1,200 sqft
Kitchen
- Level: Main
- Area: 144
- Dimensions: 12X12
Laundry
- Level: Main
- Area: 60
- Dimensions: 10X6
Living Room
- Level: Main
- Area: 216
- Dimensions: 18X12
Master Bedroom
- Level: Main
- Area: 144
- Dimensions: 12X12
Property
Accessibility
- Accessibility features: No Disability Access
Details
- Parcel number: 0317178002
- Special condition: None
Features
- Stories: 1
- Has view: Yes
- View description: Front of Property
- Water view: Front of Property
- On waterfront: Yes
Lot
- Lot size: 1.05 Acres
Parking
- Total spaces: 3
- Parking features: Garage Door Opener,Garage,Yes,Garage Owned,Detached
- 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
- Inland Flooding
- Strong Wind
- Tornado
- Winter Weather
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 | $2,017 | $24,204 |
| Home Insurance * | $158 | $1,896 |
| Property Taxes | $758 | $9,096 |
| Electricity | $130 | $1,569 |
| Total | $3,063 | $36,756 |
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 |
|---|---|---|
| 2026-03-25 | Price change | $450,000 |
| 2026-03-24 | Listed for sale | $435,000 |
| 2026-01-01 | Listing removed | $435,000 |
| 2025-10-10 | Price change | $435,000 |
| 2025-08-13 | Listed for sale | $450,000 |
| 2007-04-02 | Sold | $115,000 |
For Sale by Agent
View on Zillow