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3 Settlers Ln, Oswego, IL, 60543

5beds
4baths
2,400sqft
$875,000
$365price/sqft
$6,618/moest. monthly cost
$264,720/yrincome needed

About This Home

Welcome to this exceptional custom-built two-story home situated on a beautiful 3.5-acre corner lot, offering the perfect combination of privacy, comfort, and space to enjoy both indoor and outdoor living. With approximately 2,400 square feet of above-grade living space plus a fully finished basement, this thoughtfully designed five-bedroom, three-and-a-half-bath residence provides flexibility for a variety of lifestyles. The inviting eat-in kitchen is the heart of the home and features a center island, breakfast nook, pantry, and a full complement of new appliances. Whether preparing everyday meals or entertaining guests, this space offers abundant storage, generous workspace, and an open, welcoming atmosphere. Just off the kitchen, the convenient laundry room includes a second pantry for even more storage, while a nearby half bath adds everyday functionality. A see-through fireplace creates a warm and inviting connection between the kitchen and the spacious family room, where soaring vaulted ceilings and a dramatic wall of eight west-facing windows fill the home with natural light and showcase beautiful backyard views. The adjoining dining room provides an elegant setting for holiday gatherings, family celebrations, and dinner parties. The main-level primary suite offers a peaceful retreat complete with a private en-suite bathroom. Upstairs, you'll find three generously sized bedrooms and a full bath, providing comfortable accommodations with separation from the main living areas. The fully finished basement expands the home's living space with an additional bedroom featuring an egress window, a full bathroom, a dedicated weight room, and flexible space that can be used for recreation, hobbies, media, or guests. Step outside to discover an outdoor setting designed for relaxation and entertainment. The spacious patio overlooks the beautifully maintained backyard and features a built-in swimming pool and an in-ground trampoline, creating the perfect space for enjoying warm summer days, hosting gatherings, or simply relaxing while taking in the peaceful surroundings. The expansive 3.5-acre corner lot offers room to roam, garden, play, or simply enjoy the privacy of country-style living. Adding even more value is the impressive 30-by-40-foot outbuilding complete with electricity, making it ideal for a workshop, hobby space, equipment storage, recreational vehicles, or countless other possibilities. This custom home combines quality craftsmanship, generous living spaces, abundant storage, and exceptional outdoor amenities in a setting that is both peaceful and practical. From the soaring ceilings and abundant natural light to the finished basement, backyard oasis, and versatile outbuilding, every detail has been thoughtfully designed to maximize comfort and functionality. This rare property offers the opportunity to enjoy spacious living on acreage while creating lasting memories for years to come. Schedule your private showing today and experience everything this remarkable property has to offer. Asking price $875,000.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
6/10
Traughber Jr High SchoolGrades 6-83.0 mi
8/10
Oswego High SchoolGrades 9-123.4 mi

Construction

Condition

  • Year built: 1993

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Dishwasher,Refrigerator,Washer,Dryer,Disposal

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 156
  • Dimensions: 13X12

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 143
  • Dimensions: 13X11

Bedroom4

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

Bedroom5

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

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Breakfast Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 60
  • Dimensions: 10X6

Dining Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 165
  • Dimensions: 15X11

Family Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 288
  • Dimensions: 18X16

Features

  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Gas Log,Gas Starter,Family Room,Kitchen
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,400 sqft

Kitchen

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

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full)
  • Level: Main
  • Area: 221
  • Dimensions: 17X13

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0331302001
  • Special condition: None
  • Other equipment: Water-Softener Owned,Ceiling Fan(s),Sump Pump

Features

  • Stories: 2
  • Pool features: In Ground
  • Patio & porch: Patio

Lot

  • Lot size: 3.50 Acres

Parking

  • Total spaces: 2
  • Parking features: Asphalt,Garage Door Opener,Garage,Yes,Garage Owned,Attached
  • 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 WaveVery High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Inland Flooding
Winter Weather

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 $4,424$53,088
Home Insurance *$348$4,176
Property Taxes $1,662$19,944
Electricity $184$2,215
Total$6,618$79,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$226,902/yr
40% on housing$198,540/yr
45% on housing$176,480/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: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$365This listing

vs Other Active Listings

Avg $/sqft

ZIP 60543$211
Kendall County$211

vs Homes Sold Last Month

Median $/sqft

ZIP 60543$203
Kendall County$197

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
2006-06-23Sold$577,000

For Sale by Agent

AgentNayibe Garces
BrokeragePrello Realty

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