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2109 Chad Ln, Montgomery, IL, 60538

5beds
3baths
2,627sqft
$489,700
$186price/sqft
$3,827/moest. monthly cost
$153,080/yrincome needed

About This Home

Beautiful Curb appeal greets you as you pull in the newly blacktopped driveway with Brick Ribbons and Front Porch. This Lovely Home offers 4 Bedrooms Plus 1st floor Den, finished Basement and 3 Car Garage! Step onto the Front Porch and enjoy Morning Coffee to start your day. Enter into the Foyer to an Open Concept layout, Vaulted Living Room, Dining Room & Family Room with neutral carpet! From the Family Room into the Kitchen which is the heart of the home with tons of 42 Inch Maple Cabinets with decorative backsplash, and Island for lots of Cooking prep room and storage. 2 Year new Refrigerator & Pantry Closet . Sun room with Wall of windows is currently being used as eating area! 1st Floor Den/Office can be used as a 5th bedroom. Spacious 1/2 Bath. Laundry room with washer & dryer & Refrigerator/Freezer complete the first floor. Door to your Huge 3 Car Garage with heavy duty stainless steel and wood shelving. Head inside to Oak Railings bring you upstairs to 4 comfortable bedrooms. Master Bedroom Suite with Walk in Closet & Master Bath with Soaker Tub & Separate Shower and his & her sinks. Three additional bedrooms with ample closet space share a second full bathroom, providing room for family & guests. Lovely rooms to rest regenerate and get started with a new day! Head Downstairs to the Finished Basement with Theater area with built in speakers and space to watch movies. Huge Rec room for holiday gatherings. An additional bedroom with French doors and a den for a home office exercise room or whatever flex space you need. Also a Spacious Storage room. Sliding Glass door from Kitchen to Back yard to lovely Brick paver patio and beautifully landscaped yard. New Roof vinyl Siding and Gutters added 2025. Owner offering a one year HWA Diamond warranty for peace of mind.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
53
BikeBikeable

Schools

5/10
Thompson Jr High SchoolGrades 6-84.0 mi
8/10
Oswego High SchoolGrades 9-124.2 mi

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator,Disposal
  • Laundry features: Main Level,In Unit

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom2

  • Features: Flooring (Carpet),Window Treatments (Window Treatments)
  • Level: Second
  • Area: 182
  • Dimensions: 14X13

Bedroom3

  • Features: Flooring (Carpet),Window Treatments (Window Treatments)
  • Level: Second
  • Area: 130
  • Dimensions: 10X13

Bedroom4

  • Features: Flooring (Carpet),Window Treatments (Window Treatments)
  • Level: Second
  • Area: 143
  • Dimensions: 11X13

Bedroom5

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 154
  • Dimensions: 14X11

Bedrooms & Bathrooms

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

Den

  • Features: Flooring (Vinyl),Window Treatments (Curtains/Drapes)
  • Level: Main
  • Area: 150
  • Dimensions: 10X15

Dining Room

  • Features: Flooring (Carpet),Window Treatments (Window Treatments)
  • Level: Main
  • Area: 132
  • Dimensions: 11X12

Family Room

  • Features: Flooring (Carpet),Window Treatments (Window Treatments)
  • Level: Main
  • Area: 252
  • Dimensions: 18X14

Features

  • Cathedral Ceiling(s)
  • Window features: Screens
  • Finished area below ground: 1,033

Heating & Cooling

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

Interior Area

  • Total structure area: 3,960
  • Total interior livable area: 2,627 sqft

Kitchen

  • Features: Kitchen (Eating Area-Table Space,Island,Pantry-Closet),Flooring (Vinyl)
  • Level: Main
  • Area: 225
  • Dimensions: 15X15

Laundry

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 54
  • Dimensions: 6X9

Living Room

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

Master Bedroom

  • Features: Flooring (Carpet),Window Treatments (Window Treatments),Bathroom (Full)
  • Level: Second
  • Area: 225
  • Dimensions: 15X15

Office

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 196
  • Dimensions: 14X14

Other

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

Other

  • Level: Basement
  • Area: 49
  • Dimensions: 7X7

Recreation Room

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 392
  • Dimensions: 28X14

Storage

  • Level: Basement
  • Area: 171
  • Dimensions: 19X9

Sun Room

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

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0202126002
  • Special condition: None
  • Other equipment: Sump Pump

Features

  • Stories: 2
  • Patio & porch: Patio

Lot

  • Lot size: 7,405 sqft
  • Lot size dimensions: 61X120

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 WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado
Strong Wind
Heat Wave
Lightning
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 $2,476$29,712
Home Insurance *$219$2,628
Property Taxes $930$11,160
Electricity $202$2,424
Total$3,827$45,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$131,211/yr
40% on housing$114,810/yr
45% on housing$102,053/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

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 60538$183
Kendall County$212

vs Homes Sold Last Month

Median $/sqft

ZIP 60538$202
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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Price change$467,000
2026-08-06Price change$479,700
2026-07-29Listed for sale$489,700
2017-05-26Sold$255,000
2017-04-04Pending sale$259,900
2017-01-21Price change$259,900
2016-10-24Listed for sale$269,900
2006-04-05Sold$300,000

For Sale by Agent

AgentLisa Sweeney
BrokerageHomeSmart Connect LLC

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