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10911 Settlers Pond Ct, Frankfort, IL, 60423

4beds
3baths
2,700sqft
$470,000
$174price/sqft
$3,583/moest. monthly cost
$143,320/yrincome needed

About This Home

Experience luxury living in this beautifully updated two-story townhome offering over 2,700 square feet, 4 bedrooms, and 2.5 baths. Filled with natural light and elegant details, this spacious home is designed for comfortable everyday living and effortless entertaining. The stunning custom kitchen features granite countertops, custom cabinetry with roll-out drawers, a dedicated spice cabinet, and a premium Sub-Zero refrigerator. The inviting living room and family room are connected by a gorgeous two-sided fireplace with custom built-ins, granite accents, and a wine refrigerator. A formal dining room with a beautiful chandelier provides the perfect setting for special occasions. Retreat to the luxurious primary suite featuring an oversized walk-in closet and spa-inspired bath with a Jacuzzi tub, separate shower, and custom cabinetry with roll-out drawers. The finished basement adds valuable living space with a spacious fourth bedroom, recreation area, and abundant storage. Numerous walk-in closets and additional storage spaces are found throughout the home. Enjoy outdoor living on the newer patio, while recently added front exterior landscape lighting enhances the home's curb appeal and creates a warm, welcoming ambiance after sunset. Additional features include a convenient main-floor laundry room, attached two-car garage, and stair lift for enhanced accessibility. Ideally located in desirable Frankfort's Settlers Pond neighborhood, this exceptional home offers the perfect blend of luxury, comfort, and convenience. Don't miss the opportunity to make this beautiful property your next home. Sellers are providing a home warranty for buyers at closing.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
60
BikeBikeable

Schools

10/10
8/10

Construction

Condition

  • Year built: 1999

Materials

  • Construction materials: Brick

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse,Single Family Residence

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,High End Refrigerator,Washer,Dryer,Disposal,Stainless Steel Appliance(s),Wine Refrigerator,Water Softener
  • Laundry features: Main Level,Sink

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 150
  • Dimensions: 15X10

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 130
  • Dimensions: 13X10

Bedroom4

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 308
  • Dimensions: 22X14

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 144
  • Dimensions: 12X12

Family Room

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

Features

  • Cathedral Ceiling(s),Storage,Built-in Features,Walk-In Closet(s),Bookcases,Open Floorplan,Granite Counters,Separate Dining Room
  • Window features: Skylight(s),Window Treatments
  • Flooring: Hardwood
  • Number of fireplaces: 2
  • Fireplace features: Double Sided,Family Room,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,000

Heating & Cooling

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

Interior Area

  • Total structure area: 3,900
  • Total interior livable area: 2,700 sqft

Kitchen

  • Features: Kitchen (Eating Area-Breakfast Bar,Eating Area-Table Space,Pantry-Closet,Custom Cabinetry,Granite Counters,Updated Kitchen),Flooring (Hardwood)
  • Level: Main
  • Area: 144
  • Dimensions: 12X12

Laundry

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 40
  • Dimensions: 8X5

Living Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 342
  • Dimensions: 18X19

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full,Double Sink,Whirlpool & Sep Shwr)
  • Level: Second
  • Area: 374
  • Dimensions: 17X22

Other

  • Level: Basement
  • Area: 220
  • Dimensions: 11X20

Recreation Room

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 600
  • Dimensions: 30X20

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 1909203010270000
  • Special condition: None

Features

  • Patio & porch: Patio

Lot

  • Lot size: 3,920 sqft

Parking

  • Total spaces: 2
  • Parking features: Yes,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado

FEMA Declared Disasters Across Illinois Counties

Flood
Severe Storm
Straight Line Winds
Tornado

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 $2,376$28,512
Home Insurance *$178$2,136
Property Taxes $822$9,864
Electricity $207$2,492
Total$3,583$42,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,845/yr
40% on housing$107,490/yr
45% on housing$95,546/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: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$174This listing

vs Other Active Listings

Avg $/sqft

ZIP 60423$221
Will County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 60423$208
Will County$193

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
2026-08-14Contingent$465,000
2026-08-07Price change$465,000
2026-07-17Price change$470,000
2026-06-18Listed for sale$474,999
2025-02-08Listing removed$449,999
2025-01-07Listed for sale$449,999
2024-12-30Listing removed$449,999
2024-10-28Listed for sale$449,999
1999-09-08Sold$240,000

For Sale by Agent

AgentAmanda Colby
BrokerageReal People Realty

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