38W042 Mallard Lake Rd Saint Charles, IL 60175
Otter Creek NeighborhoodEstimated payment $5,344/month
Total Views
1,276
4
Beds
5
Baths
4,681
Sq Ft
$168
Price per Sq Ft
Highlights
- Traditional Architecture
- Double Oven
- Laundry Room
- Ferson Creek Elementary School Rated A
- Living Room
- Central Air
About This Home
Set on a private 1.26-acre lot in desirable Heritage Oaks and within award-winning District 303 schools, this brick and cedar home offers space, comfort, and a functional layout. The circular driveway and stately facade welcome you to a home filled with natural light from ample windows, with the south-facing front creating bright, inviting spaces year-round. Inside, the vaulted living room features a dramatic brick fireplace and connects seamlessly to the kitchen, updated in 2023 with crisp white cabinetry and equipped with a new double oven and dishwasher (2024). The main-floor full bath adds flexibility for guests or a spacious home office with a separate entrance to a front patio. Upstairs, the primary suite is joined by three additional bedrooms-one with an en suite and another with a Jack-and-Jill bath. The finished walkout basement includes a large wet bar, wine cellar, fireplace, and full bath, with the option to add an additional bedroom with its own fireplace. A main-level office with industrial-style finishes and a separate exterior entrance provides a private workspace. The circular driveway and 3-car side-load garage offer convenience, while the oversized lot with mature landscaping and established trees provides privacy and a peaceful setting. Recent updates include the roof (2020), two HVAC systems and furnaces (2023), and the well pump (2024). Located in unincorporated St. Charles, just minutes from South Elgin amenities.
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $12,508
Year Built
- Built in 2000
Lot Details
- Lot Dimensions are 216x381x104x324
HOA Fees
- $25 Monthly HOA Fees
Parking
- 3 Car Garage
Home Design
- Traditional Architecture
- Brick Exterior Construction
Interior Spaces
- 4,681 Sq Ft Home
- 2-Story Property
- Family Room
- Living Room
- Dining Room
- Finished Basement Bathroom
Kitchen
- Double Oven
- Gas Oven
- Dishwasher
Bedrooms and Bathrooms
- 4 Bedrooms
- 4 Potential Bedrooms
- 5 Full Bathrooms
Laundry
- Laundry Room
- Dryer
- Washer
Schools
- Ferson Creek Elementary School
- Thompson Middle School
- St Charles North High School
Utilities
- Central Air
- Heating System Uses Natural Gas
- Well
- Septic Tank
Map
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Home Values in the Area
Average Home Value in this Area
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2024 | $13,121 | $193,333 | $39,102 | $154,231 |
| 2023 | $12,508 | $173,036 | $34,997 | $138,039 |
| 2022 | $12,810 | $173,475 | $32,282 | $141,193 |
| 2021 | $12,025 | $164,579 | $30,771 | $133,808 |
| 2020 | $11,944 | $161,510 | $30,197 | $131,313 |
| 2019 | $12,817 | $172,430 | $29,599 | $142,831 |
| 2018 | $13,101 | $175,732 | $32,541 | $143,191 |
| 2017 | $14,580 | $192,942 | $31,428 | $161,514 |
| 2016 | $15,356 | $186,165 | $30,324 | $155,841 |
| 2015 | -- | $180,599 | $29,997 | $150,602 |
| 2014 | -- | $172,349 | $29,997 | $142,352 |
| 2013 | -- | $161,982 | $30,297 | $131,685 |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 08/15/2025 08/15/25 | For Sale | $785,000 | +51.0% | $168 / Sq Ft |
| 07/13/2020 07/13/20 | Sold | $520,000 | -1.0% | $146 / Sq Ft |
| 05/19/2020 05/19/20 | Pending | -- | -- | -- |
| 03/22/2020 03/22/20 | Price Changed | $525,000 | -1.9% | $147 / Sq Ft |
| 02/24/2020 02/24/20 | For Sale | $535,000 | -- | $150 / Sq Ft |
Source: Midwest Real Estate Data (MRED)
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $520,000 | First American Title | |
| Interfamily Deed Transfer | -- | -- | |
| Warranty Deed | $490,000 | First American Title Ins Co | |
| Warranty Deed | $90,000 | -- | |
| Warranty Deed | $70,000 | First American Title Ins Co |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $60,000 | Credit Line Revolving | |
| Previous Owner | $416,000 | New Conventional | |
| Previous Owner | $259,000 | New Conventional | |
| Previous Owner | $248,200 | New Conventional | |
| Previous Owner | $210,000 | Unknown | |
| Previous Owner | $200,000 | Credit Line Revolving | |
| Previous Owner | $226,600 | Unknown | |
| Previous Owner | $215,000 | Unknown | |
| Previous Owner | $150,000 | Purchase Money Mortgage | |
| Previous Owner | $387,000 | Purchase Money Mortgage |
Source: Public Records
Similar Homes in the area
Source: Midwest Real Estate Data (MRED)
MLS Number: 12447809
APN: 09-07-275-004
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