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321 Royal Oak Dr, Steger, IL, 60475

5beds
4baths
3,550sqft
$589,900
$166price/sqft
$4,524/moest. monthly cost
$180,960/yrincome needed

About This Home

Pride of ownership shines throughout this beautifully maintained all brick estate in the Royal Oak Estates subdivision situated on just over one acre of landscaped grounds. The seller has taken exceptional care of this home, with consistent professional servicing and thoughtful upgrades over the years. HVAC systems are maintained annually, and a brand new air conditioner was installed in July 2025. The roof shingles have been treated with ceiling oil for added longevity, and Leaf Filter gutter protection surrounds the home and transfers to the new owner. This spacious and flexible floor plan offers five total bedrooms and four bathrooms, including two full baths and two half baths. Four bedrooms are located on the upper level, while the main level office is currently used as an office but can easily function as a fifth bedroom. The primary suite is a true retreat, featuring a private balcony with a two seater that stays, a generous sitting area ideal for reading or relaxing, and an oversized walk in closet. The primary bathroom includes dual sinks, a whirlpool tub, and a private enclosed water closet that also houses the shower, offering both privacy and comfort. The kitchen is well equipped for everyday living and entertaining with a large island, double oven range, and a butlers bar. The family room features skylights with shades, a stunning floor to ceiling stone fireplace offering both gas and wood burning options. The chimney flue has been professionally cleaned and is in excellent condition. Custom mirrors in the formal dining room and living room add elegance, depth, and beautiful light reflection throughout the main living spaces. The finished basement expands the living area with a wet bar, bar refrigerator that stays, an additional office, two storage rooms, and a dedicated workshop or tool room with shelving that will remain. Additional features include two furnaces, two sump pumps, a whole house water filtration system, an intercom system, an inground sprinkler system, a shed, and a dedicated vegetable garden space. This home has been meticulously cared for and it shows in every detail. A rare opportunity to own a thoughtfully maintained, spacious property with exceptional features and peace of mind.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
7/10
Columbia Central SchoolGrades 5-82.5 mi
5/10
Bloom Trail High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 2001

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Laundry features: In Unit

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom2

  • Level: Second
  • Area: 132
  • Dimensions: 12X11

Bedroom3

  • Level: Second
  • Area: 154
  • Dimensions: 14X11

Bedroom4

  • Level: Second
  • Area: 110
  • Dimensions: 11X10

Bedroom5

  • Level: Main
  • Area: 110
  • Dimensions: 11X10

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 132
  • Dimensions: 12X11

Family Room

  • Level: Main
  • Area: 357
  • Dimensions: 21X17

Features

  • Vaulted Ceiling(s)
  • Window features: Skylight(s)
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Electric,Living Room
  • Fireplace: Yes
  • Attic: Finished

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 3,550 sqft

Kitchen

  • Level: Main
  • Area: 110
  • Dimensions: 10X11

Laundry

  • Level: Main
  • Area: 70
  • Dimensions: 7X10

Living Room

  • Level: Main
  • Area: 240
  • Dimensions: 20X12

Master Bedroom

  • Features: Bathroom (Full)
  • Level: Second
  • Area: 252
  • Dimensions: 18X14

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 32344030220000
  • Special condition: None

Features

  • Stories: 2

Lot

  • Lot size: 1.05 Acres

Parking

  • Total spaces: 3
  • Parking features: Yes,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Tornado
    TornadoVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Heat Wave
Inland Flooding
Hail
Winter Weather
Tsunami

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 $2,982$35,784
Home Insurance *$419$5,028
Property Taxes $850$10,200
Electricity $273$3,276
Total$4,524$54,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,108/yr
40% on housing$135,720/yr
45% on housing$120,640/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: 15.1%
15.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 60475$131
Cook County$225

vs Homes Sold Last Month

Median $/sqft

ZIP 60475$158
Cook County$219

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
2026-04-13Price change$589,900
2026-03-06Listed for sale$599,900
2005-07-25Sold$475,000
2003-07-11Sold$400,000
2001-07-19Sold$62,000

For Sale by Agent

AgentCareese LaRoss
BrokerageEXIT Strategy Realty

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