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3630 White Deer Dr, Algonquin, IL, 60102

5beds
4baths
4,781sqft
$720,000
$151price/sqft
$5,634/moest. monthly cost
$225,360/yrincome needed

About This Home

Welcome to The Coves of Algonquin, where timeless elegance, exceptional space, and pride of ownership come together in this original-owner home offered for the very first time. Nestled on nearly a half-acre lot, this impressive 5-bedroom, 3.1-bath residence offers over 4,000 square feet of finished living space designed for today's lifestyle. Located within the highly sought-after Huntley School District 158, this home offers the perfect combination of space, location, and top-rated schools. Step inside to discover a breathtaking two-story family room flooded with natural light from dramatic floor-to-ceiling windows, creating a stunning focal point and showcasing picturesque backyard views. The spacious kitchen is ideal for entertaining, featuring abundant cabinetry, generous prep space, and seamless flow into the main living areas. Formal living and dining rooms provide the perfect setting for gatherings, while a first-floor office or flex room offers versatility for remote work, study, or play. Upstairs, retreat to the expansive primary suite complete with dual walk-in closets and a spa-inspired ensuite bath. Three additional generously sized bedrooms share a well-appointed full bathroom, providing ample space for everyone. The finished basement expands your living space with a large recreation and entertainment area, a dedicated fitness room, and a full bathroom-offering endless possibilities for entertaining, hobbies, or extended living. Additional highlights include a finished 3-car garage, beautifully maintained grounds, and an unbeatable location close to parks, shopping, dining, entertainment, and all that vibrant Algonquin has to offer. Rarely does an original-owner home of this size, quality, and location become available-especially within the highly acclaimed Huntley School District offering Pathway Programs for Engineering and Medicine. Don't miss this exceptional opportunity to make The Coves your next address! You Deserve This! (All reasonable offers considered)

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
50
BikeBikeable

Schools

--
7/10
Heineman Middle SchoolGrades 6-80.9 mi
8/10
Huntley High SchoolGrades 9-125.4 mi

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Vinyl Siding,Brick

Other

  • Builder model: Highland

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Dishwasher,Refrigerator,Washer,Dryer,Disposal,Stainless Steel Appliance(s),Humidifier
  • Laundry features: Main Level,Gas Dryer Hookup,In Unit,Sink

Bar Entertainment

  • Level: Basement
  • Area: 140
  • Dimensions: 14X10

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 323
  • Dimensions: 19X17

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 234
  • Dimensions: 18X13

Bedroom4

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 120
  • Dimensions: 12X10

Bedroom5

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 168
  • Dimensions: 14X12

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 180
  • Dimensions: 15X12

Eating Area

  • Level: Main
  • Area: 60
  • Dimensions: 12X5

Exercise Room

  • Level: Basement
  • Area: 276
  • Dimensions: 23X12

Family Room

  • Level: Main
  • Area: 437
  • Dimensions: 23X19

Features

  • Dry Bar,1st Floor Bedroom,Built-in Features,Walk-In Closet(s)

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 4,781 sqft

Kitchen

  • Features: Kitchen (Island,Pantry-Closet)
  • Level: Main
  • Area: 168
  • Dimensions: 14X12

Laundry

  • Features: Flooring (Laminate)
  • Level: Main
  • Area: 98
  • Dimensions: 14X7

Living Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 180
  • Dimensions: 15X12

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full)
  • Level: Second
  • Area: 375
  • Dimensions: 15X25

Other

  • Level: Basement
  • Area: 161
  • Dimensions: 23X7

Recreation Room

  • Level: Basement
  • Area: 957
  • Dimensions: 29X33

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 1836402003
  • Special condition: None
  • Other equipment: Ceiling Fan(s),Sump Pump

Features

  • Stories: 2
  • Patio & porch: Patio

Lot

  • Lot size: 0.41 Acres
  • Lot size dimensions: 100 x 180

Parking

  • Total spaces: 3
  • Parking features: Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,Garage
  • 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
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
Strong Wind
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
Other
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 $3,640$43,680
Home Insurance *$272$3,264
Property Taxes $1,355$16,260
Electricity $367$4,412
Total$5,634$67,608
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$193,165/yr
40% on housing$169,020/yr
45% on housing$150,240/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: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$151This listing

vs Other Active Listings

Avg $/sqft

ZIP 60102$199
McHenry County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 60102$192
McHenry County$187

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
2026-08-10Price change$700,000
2026-07-13Listed for sale$720,000
2003-05-06Sold$333,514

For Sale by Agent

AgentAngela Bjork
BrokerageBaird & Warner

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