$450,000

Estimated payment $3,244/month

Total Views 10,546
4 Beds
2.5 Baths
2,219 Sq Ft
$203 Price per Sq Ft

Highlights

  • Waterfront
  • Recreation Room
  • Granite Countertops
  • Oswego High School Rated A-
  • Wood Flooring
  • 4-minute walk to Pearce's Ford Park

About This Home

Welcome to this bright and spacious 4-bedroom, 2.5-bath home in the highly sought-after The Ponds at Mill Race Creek subdivision! Step inside to find generous room sizes and abundant natural light throughout. The updated kitchen features granite countertops, stainless steel appliances, white painted cabinetry, a tile backsplash, an eat-in area, and a charming bay window door that opens to a huge outdoor patio-perfect for entertaining. The family room boasts warm wood flooring and a cozy fireplace, while the separate living and dining rooms offer plush carpeting and updated lighting fixtures. Upstairs, all four bedrooms are carpeted, with three offering walk-in closets for ample storage. All bathrooms have been beautifully updated and feature ceramic tile floors. Convenient first-floor laundry room includes ceramic tile flooring and a utility sink. The 2.5-car garage has an epoxy floor and a bump-out area for extra space. The partially finished basement is complete with luxury vinyl flooring-great for a home office, workout room, or play area. Enjoy peaceful outdoor living with a patio that backs to the creek, offering both privacy and scenic views. Major updates include a newer roof, water heater (2018), furnace (2018), and an A/C unit approximately 8-10 years old. This home blends comfort, style, and location-don't miss out!

Listing Agent

Nicole Tudisco

Wheatland Realty License #471001791 Listed on: 07/28/2025

Co-Listing Agent

Allison Rimbo

Wheatland Realty License #475174869

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $8,952

Year Built

  • Built in 1999

Lot Details

  • 10,193 Sq Ft Lot
  • Lot Dimensions are 80x150
  • Waterfront
  • Paved or Partially Paved Lot

HOA Fees

  • $46 Monthly HOA Fees

Parking

  • 2 Car Garage
  • Driveway
  • Parking Included in Price

Home Design

  • Brick Exterior Construction
  • Asphalt Roof
  • Concrete Perimeter Foundation

Interior Spaces

  • 2,219 Sq Ft Home
  • 2-Story Property
  • Ceiling Fan
  • Wood Burning Fireplace
  • Fireplace With Gas Starter
  • Window Treatments
  • Family Room with Fireplace
  • Living Room
  • Breakfast Room
  • Formal Dining Room
  • Recreation Room
  • Carbon Monoxide Detectors

Kitchen

  • Range
  • Microwave
  • Dishwasher
  • Granite Countertops
  • Disposal

Flooring

  • Wood
  • Carpet

Bedrooms and Bathrooms

  • 4 Bedrooms
  • 4 Potential Bedrooms
  • Walk-In Closet
  • Dual Sinks
  • Soaking Tub
  • Separate Shower

Laundry

  • Laundry Room
  • Dryer
  • Washer

Basement

  • Partial Basement
  • Sump Pump

Schools

  • Old Post Elementary School
  • Thompson Junior High School
  • Oswego High School

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Uses Natural Gas
  • Gas Water Heater

Community Details

  • Association fees include exterior maintenance
  • Michele Trina Association, Phone Number (815) 886-0953
  • Mill Race Creek Subdivision
  • Property managed by Associa Chicago

Listing and Financial Details

  • Senior Tax Exemptions
  • Homeowner Tax Exemptions

Home Details

Home Type

Single Family

Est. Annual Taxes

$8,952

Year Built

Built in 1999

Lot Details

0

HOA Fees

$46 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Property Type: Detached Single
  • Type Detached: 2 Stories
  • Ownership: Fee Simple w/ HO Assn.
  • New Construction: No
  • Property Sub-Type: 2 Stories
  • Subdivision Name: Mill Race Creek
  • Year Built: 1999
  • Age: 26-30 Years
  • Built Before 1978 (Y/N): No
  • Disability Access and/or Equipped: No
  • General Information: None
  • Rebuilt (Y/N): No
  • Rehab (Y/N): No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Disposal, Humidifier
  • Basement: Finished, Partial
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bathrooms: 3
  • Total Bedrooms: 4
  • Fireplace Features: Wood Burning, Gas Starter
  • Fireplaces: 1
  • Flooring: Hardwood, Carpet
  • Interior Amenities: Cathedral Ceiling(s), Walk-In Closet(s), Granite Counters, Separate Dining Room
  • LivingArea: 2219
  • Other Equipment: CO Detectors, Ceiling Fan(s), Sump Pump, Water Heater-Gas
  • Room Type: Breakfast Room, Recreation Room
  • Window Features: Window Treatments
  • Estimated Total Finished Sq Ft: 0
  • Assessed Sq Ft: 2219
  • Bathroom Amenities: Separate Shower,Double Sink,Soaking Tub
  • Basement Bathrooms: No
  • Below Grade Bedrooms: 0
  • Dining Room: Separate
  • Total Sq Ft: 0
  • Basement Sq Ft: 0
  • Fireplace Location: Family Room
  • Total Sq Ft: 0
  • Flooring: Carpet

Exterior Features

  • Construction Materials: Brick
  • Foundation Details: Concrete Perimeter
  • List Price: 450000
  • Roof: Asphalt
  • Waterfront: Yes

Garage/Parking

  • Garage Spaces: 2
  • Parking Features: Asphalt, Garage Door Opener, On Site, Garage Owned, Attached, Garage
  • ParkingTotal: 2

Utilities

  • Sewer: Public Sewer
  • Cooling: Central Air
  • Heating: Natural Gas, Forced Air
  • Laundry Features: Main Level, In Unit
  • Water Source: Public

Condo/Co-op/Association

  • Association Fee: 138
  • Association Fee Frequency: Quarterly
  • Community Features: Curbs, Sidewalks, Street Lights, Street Paved
  • Master Association Fee: No
  • Master Association Fee Frequency: Not Required
  • Management Company: Associa Chicago
  • Management Contact Name: Michele Trina
  • Management Phone: 815-886-0953

Fee Information

  • Association Fee Includes: Exterior Maintenance

Schools

  • Elementary School: Old Post Elementary School
  • High School: Oswego High School
  • Middle/Junior School: Thompson Junior High School
  • Middle/Junior School District: 308

Lot Info

  • Additional Parcels: No
  • Lot Size Acres: 0.234
  • Lot Dimensions: 80X150
  • Rural (Y/N): N
  • Lot Size: Less Than .25 Acre
  • Special Assessments: N

Rental Info

  • Board Number: 10
  • Is Parking Included in Price: Yes

Tax Info

  • Tax Annual Amount: 8952
  • Tax Year: 2023
  • Tax Exemptions: Homeowner,Senior

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

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 $9,410 $127,931 $31,508 $96,423
2023 $8,300 $113,213 $27,883 $85,330
2022 $8,300 $102,921 $25,348 $77,573
2021 $7,971 $96,188 $23,690 $72,498
2020 $7,785 $93,386 $23,000 $70,386
2019 $8,128 $90,679 $23,000 $67,679
2018 $7,842 $85,124 $21,586 $63,538
2017 $7,776 $81,850 $20,756 $61,094
2016 $7,722 $80,245 $20,349 $59,896
2015 $7,844 $77,907 $19,756 $58,151
2014 -- $75,638 $19,181 $56,457
2013 -- $76,402 $19,375 $57,027
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
07/28/2025 07/28/25 For Sale $450,000 -- $203 / Sq Ft
Source: Midwest Real Estate Data (MRED)

Purchase History

Date Type Sale Price Title Company
Interfamily Deed Transfer -- None Available
Warranty Deed $215,000 None Available
Deed $214,900 --
Special Warranty Deed $215,000 Forum Title Insurance Co
Deed $214,900 --
Sheriffs Deed -- Premier Title Company
Deed $211,000 Chicago Title Insurance Co
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $154,900 Seller Take Back
Previous Owner $48,000 Stand Alone Second
Previous Owner $320,000 Unknown
Previous Owner $48,000 Stand Alone Second
Previous Owner $312,500 Unknown
Previous Owner $308,750 Unknown
Previous Owner $266,000 Unknown
Previous Owner $258,000 Unknown
Previous Owner $195,600 No Value Available
Closed -- No Value Available
Source: Public Records

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Source: Midwest Real Estate Data (MRED)

MLS Number: 12431565

Midwest Real Estate Data (MRED)

APN: 03-09-160-003