$530,000
SOLD OCT 10, 2025
5 Beds
3.5 Baths
3,378 Sq Ft
0.41 Acres

Recently Sold

$157 Per Sq Ft

8% Below List Price

63 Days on Market

Highlights

  • Gated Community
  • Open Floorplan
  • Mature Trees
  • Prairie Point Elementary School Rated A-
  • Landscaped Professionally
  • Property is near a park

About This Home

As of October 2025

SELLER OFFERING .5% BELOW MARKET INTEREST RATE PERMANENT BUYDOWN! Save Thousands of Dollars in interest when you use our preferred lender. Ask your agent for details. Welcome to the highly sought-after Ashcroft neighborhood! This beautifully maintained, original-owner Sycamore model offers over 4,000 square feet of thoughtfully designed living space, featuring 5 spacious bedrooms on the 2nd floor, each with large or walk-in closets. 3.1 baths, a finished basement, a 3+ car garage, and a professionally landscaped yard. Start your mornings with coffee on the charming covered front porch, or unwind in the expansive 4-seasons room that flows seamlessly to the backyard's brick paver patio - perfect for outdoor dining and entertaining. Inside, you'll find gleaming hardwood floors in the living and dining rooms, and a large eat-in kitchen that opens to the inviting family room with a gas-start fireplace. Upstairs, the luxurious primary suite boasts two walk-in closets and a spa-like bath with a walk-in shower, a soaking tub, and tall vanities and new light fixtures. You will be so thankful for the 11x11 laundry /mud room large enough for all your laundry needs but also for all your coat and shoe storage needs when the kids come home from school. The finished basement offers even more living space with a game room, a full bath, and a media room prewired for surround sound. This home has been meticulously updated and maintained for peace of mind, including: New light fixtures and water heater (2025) new WiFi-enabled garage door opener and sump pump (2024), stainless steel refrigerator, microwave, and dishwasher (2023), Craftsman-style front door (2022), furnace (2020), maintenance-free PVC exterior trim, fresh exterior paint, and a tear-off roof (2019), water softener and reverse osmosis system (2017). All this in an unbeatable location... within walking distance within the neighborhood to Prairie Point Elementary School, with convenient school bus service to Traughber and Oswego High School. Just 1.5 miles to charming downtown Oswego and Hudson Park along the Fox River and less than 3 miles to the shopping and dining along Route 34. As a bonus, you can enjoy Oswego's spectacular July 4th fireworks display from your own backyard in 2026! Don't miss this rare opportunity to own a truly special home in a wonderful neighborhood.

Last Agent to Sell the Property

Gregory Wroblewski

Coldwell Banker Real Estate Group License #475135510 Listed on: 07/11/2025

Coldwell Banker Real Estate Group

Last Buyer's Agent

Martha Ochoa

Coldwell Banker Real Estate Group License #475214254

Coldwell Banker Real Estate Group

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $11,050

Year Built

  • Built in 2004

Lot Details

  • 0.41 Acre Lot
  • Lot Dimensions are 73 x 15 x 153 x 188
  • Landscaped Professionally
  • Paved or Partially Paved Lot
  • Irregular Lot
  • Mature Trees

HOA Fees

  • $20 Monthly HOA Fees

Parking

  • 3 Car Garage
  • Driveway
  • Off-Street Parking
  • Parking Included in Price

Home Design

  • Brick Exterior Construction
  • Asphalt Roof
  • Radon Mitigation System
  • Concrete Perimeter Foundation

Interior Spaces

  • 3,378 Sq Ft Home
  • 2-Story Property
  • Open Floorplan
  • Built-In Features
  • Ceiling Fan
  • Fireplace With Gas Starter
  • Blinds
  • Window Screens
  • Sliding Doors
  • ENERGY STAR Qualified Doors
  • Six Panel Doors
  • Panel Doors
  • Entrance Foyer
  • Family Room with Fireplace
  • Living Room
  • Formal Dining Room
  • Recreation Room
  • Game Room
  • Heated Sun or Florida Room
  • Storage Room
  • Unfinished Attic

Kitchen

  • Double Oven
  • Gas Cooktop
  • Microwave
  • Dishwasher
  • Stainless Steel Appliances
  • Disposal

Flooring

  • Wood
  • Carpet
  • Ceramic Tile

Bedrooms and Bathrooms

  • 5 Bedrooms
  • 5 Potential Bedrooms
  • Walk-In Closet
  • Soaking Tub
  • Double Shower
  • Shower Body Spray
  • Separate Shower

Laundry

  • Laundry Room
  • Dryer
  • Washer

Basement

  • Basement Fills Entire Space Under The House
  • Sump Pump
  • Finished Basement Bathroom

Home Security

  • Video Cameras
  • Carbon Monoxide Detectors

Schools

  • Prairie Point Elementary School
  • Traughber Junior High School
  • Oswego High School

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Uses Natural Gas
  • 200+ Amp Service
  • Water Purifier is Owned
  • Water Softener is Owned
  • High Speed Internet

Additional Features

  • Patio
  • Property is near a park

Listing and Financial Details

  • Homeowner Tax Exemptions

Community Details

Overview

  • Association fees include insurance
  • Manager Association, Phone Number (815) 886-7482
  • Ashcroft Subdivision, Sycamore Floorplan
  • Property managed by Foster Premier Inc

Security

  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$11,050

Year Built

Built in 2004

Lot Details

0

HOA Fees

$20 per month

Parking

3

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: Ashcroft
  • Year Built: 2004
  • Age: 21-25 Years
  • Built Before 1978 (Y/N): No
  • Disability Access and/or Equipped: No
  • General Information: School Bus Service
  • Rebuilt (Y/N): No
  • Rehab (Y/N): No
  • New Construction Y/N: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Double Oven, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Disposal, Stainless Steel Appliance(s), Cooktop, Oven, Water Purifier Owned, Water Softener, Water Softener Owned, Gas Cooktop, Humidifier
  • Basement: Finished, Full
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Total Bathrooms: 4
  • Total Bedrooms: 5
  • Door Features: ENERGY STAR Qualified Doors, Sliding Doors, Panel Door(s), 6 Panel Door(s), Sliding Glass Door(s)
  • Fireplace Features: Gas Starter
  • Fireplaces: 1
  • Flooring: Hardwood, Carpet, Wood
  • Interior Amenities: Built-in Features, Walk-In Closet(s), High Ceilings, Open Floorplan, Pantry
  • LivingArea: 3378
  • Other Equipment: Water-Softener Owned, CO Detectors, Ceiling Fan(s), Sump Pump, Radon Mitigation System, Security Cameras, Internet-Fiber
  • Room Type: Bedroom 5, Foyer, Game Room, Recreation Room, Storage, Heated Sun Room
  • Window Features: Screens, Drapes, Blinds
  • Estimated Total Finished Sq Ft: 0
  • Bathroom Amenities: Separate Shower,Full Body Spray Shower,Double Shower,Soaking Tub
  • Basement Bathrooms: Yes
  • Below Grade Bedrooms: 0
  • Dining Room: Separate
  • Fireplace Location: Family Room
  • Total Sq Ft: 0
  • Attic: Unfinished
  • Flooring: Carpet

Exterior Features

  • Construction Materials: Vinyl Siding, Brick
  • Foundation Details: Concrete Perimeter
  • Lot Features: Irregular Lot, Landscaped, Mature Trees
  • Patio And Porch Features: Patio
  • Roof: Asphalt
  • Waterfront: No

Garage/Parking

  • Garage Spaces: 3
  • Parking Features: Asphalt, Side Driveway, Garage Door Opener, Garage, On Site, Garage Owned, Attached, Off Street, Driveway, Oversized, Garage Faces Side, Owned
  • ParkingTotal: 9

Utilities

  • Sewer: Public Sewer
  • Cooling: Central Air
  • Electric: Circuit Breakers, 200+ Amp Service
  • Heating: Natural Gas, Forced Air
  • Laundry Features: In Unit
  • Water Source: Public

Condo/Co-op/Association

  • Association Fee: 244
  • Association Fee Frequency: Annually
  • Community Features: Park, Curbs, Gated, Sidewalks, Street Lights, Street Paved
  • Master Association Fee: No
  • Master Association Fee Frequency: Not Required
  • Management Company: Foster Premier Inc
  • Management Contact Name: Manager
  • Management Phone: 815-886-7482

Fee Information

  • Association Fee Includes: Insurance

Schools

  • Elementary School: Prairie Point Elementary School
  • High School: Oswego High School
  • Middle/Junior School: Traughber Junior High School

Lot Info

  • Lot Size Acres: 0.41
  • Lot Dimensions: 73 X 15 X 153 X 188
  • Rural (Y/N): N
  • Lot Size: .25-.49 Acre
  • Special Assessments: N

Rental Info

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

Tax Info

  • Tax Annual Amount: 11050.05
  • Tax Year: 2024
  • Tax Exemptions: Homeowner

Ownership History

Date Name Owned For Owner Type

Purchase Details

Closed on
Jul 26, 2004
Sold by
Wiseman Hughes Enterprises Inc
Bought by
Smith Vernon A and Smith Jennifer L

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$275,000
Outstanding Balance
$122,623
Interest Rate
4.5%
Mortgage Type
Purchase Money Mortgage
Estimated Equity
$419,307
Source: Public Records

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $357,500 Chicago Title Insurance Co
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $275,000 Purchase Money Mortgage
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
10/10/2025 10/10/25 Sold $530,000 -3.6% $157 / Sq Ft
09/12/2025 09/12/25 Pending -- -- --
07/31/2025 07/31/25 Price Changed $549,900 -4.3% $163 / Sq Ft
07/11/2025 07/11/25 For Sale $574,500 -- $170 / Sq Ft
Source: Midwest Real Estate Data (MRED)

Tax History Compared to Growth

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 $11,050 $143,315 $29,909 $113,406
2023 $10,155 $130,286 $27,190 $103,096
2022 $10,155 $118,442 $24,718 $93,724
2021 $10,199 $114,992 $23,998 $90,994
2020 $10,300 $114,992 $23,998 $90,994
2019 $10,047 $110,659 $23,998 $86,661
2018 $10,176 $110,659 $23,998 $86,661
2017 $9,890 $102,462 $22,220 $80,242
2016 $9,478 $97,121 $21,062 $76,059
2015 $9,484 $92,939 $20,155 $72,784
2014 -- $87,678 $19,014 $68,664
2013 -- $88,564 $19,206 $69,358
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Midwest Real Estate Data (MRED)

MLS Number: 12411801

Midwest Real Estate Data (MRED)

APN: 03-20-450-004