




3 Settlers Ln, Oswego, IL, 60543
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
Schools
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
- Strong Wind
- Tornado
- Inland Flooding
- 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 | $4,424 | $53,088 |
| Home Insurance * | $348 | $4,176 |
| Property Taxes | $1,662 | $19,944 |
| Electricity | $184 | $2,215 |
| Total | $6,618 | $79,416 |
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 |
|---|---|---|
| 2006-06-23 | Sold | $577,000 |
