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640 Schumann St, Woodstock, IL, 60098

3beds
3baths
1,840sqft
$305,000
$166price/sqft
$2,396/moest. monthly cost
$95,840/yrincome needed

About This Home

Discover the rare luxury of dual primary suites in this beautifully updated ranch-style gem, just steps from the clubhouse and pool! A unique unit with one spacious primary suite on the main floor and another upstairs-offers unmatched flexibility for multi-generational living, guests, or ultimate privacy. The inviting open-concept layout seamlessly connects the living room, dining area, and kitchen, making it perfect for both relaxing and entertaining. Soaring vaulted ceilings, a cozy fireplace, and expansive windows flood the living space with natural light, creating a warm and welcoming atmosphere. The renovated kitchen is ready for action, featuring stylish cabinetry, stainless steel appliances, a coffee and breakfast bar, and a generous pantry for all your storage needs. Both primary suites offer full bathrooms and walk-in closets, while the second bedroom is also generously sized with ample closet space. Spacious laundry on the main floor, complete with extra shelving and storage. Additional highlights include a 2-car garage with pull-down attic access, and a charming partially fenced patio by the front door-perfect for enjoying your morning coffee with a view of the clubhouse. Resort-style amenities are right across the street: fitness center, library, fireside lounge, event space, pool table, and a heated outdoor pool with whirlpool. Plus, you're just minutes from playgrounds, parks, schools, and local government offices. Best of all, forget about yard work and exterior maintenance-the association takes care of landscaping, snow removal, and more, so you can focus on what matters most. Don't miss your chance to own this exceptional, one-of-a-kind home!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

8/10
Northwood Middle SchoolGrades 6-80.5 mi
10/10

Construction

Condition

  • Year built: 2007

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Other

  • Builder model: Chateau

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Stainless Steel Appliance(s)
  • Laundry features: In Unit

Basement

  • Basement: None

Bedroom2

  • Features: Flooring (Engineered Hardwood),Window Treatments (Blinds,Curtains/Drapes)
  • Level: Main
  • Area: 135
  • Dimensions: 15X9

Bedroom3

  • Features: Flooring (Engineered Hardwood),Window Treatments (Blinds,Curtains/Drapes)
  • Level: Second
  • Area: 336
  • Dimensions: 16X21

Bedrooms & Bathrooms

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

Dining Room

  • Features: Window Treatments (Blinds,Curtains/Drapes)

Family Room

  • Features: Flooring (Laminate),Window Treatments (Blinds)
  • Level: Main
  • Area: 238
  • Dimensions: 17X14

Features

  • Vaulted Ceiling(s)
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Family Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,840 sqft

Kitchen

  • Features: Kitchen (Updated Kitchen),Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 165
  • Dimensions: 15X11

Laundry

  • Features: Flooring (Laminate)
  • Level: Main
  • Area: 63
  • Dimensions: 9X7

Master Bedroom

  • Features: Flooring (Engineered Hardwood),Window Treatments (Blinds,Curtains/Drapes),Bathroom (Full)
  • Level: Main
  • Area: 210
  • Dimensions: 15X14

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0829482023
  • Special condition: None

Parking

  • Total spaces: 2
  • Parking features: Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,Garage
  • 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
    Cold WaveRelatively High
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
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 $1,542$18,504
Home Insurance *$139$1,668
Property Taxes $574$6,888
Electricity $141$1,698
Total$2,396$28,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,148/yr
40% on housing$71,880/yr
45% on housing$63,893/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

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 60098$196
McHenry County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 60098$189
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
2026-07-20Listing removed$305,000
2026-06-25Price change$305,000
2026-06-18Listed for sale$315,000
2026-06-18Listing removed$319,900
2026-06-16Price change$319,900
2026-06-09Listed for sale$324,900
2026-06-09Listing removed$325,000
2026-05-22Listed for sale$325,000
2026-04-04Listing removed$325,000
2025-12-16Listed for sale$325,000
2025-08-27Sold$295,000
2025-06-30Price change$299,900
2025-06-10Price change$310,000
2025-05-09Price change$317,000
2025-04-08Price change$324,900
2025-03-21Listed for sale$329,900
2024-04-26Sold$303,000
2024-04-13Pending sale$314,000
2024-03-29Listed for sale$314,000
2018-08-16Sold$146,000
2008-01-30Sold$245,034

For Sale by Agent

AgentJack Sheetz
BrokerageBaird & Warner

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