Discover the potential in this spacious 4-bedroom, 2.5-bath home in the heart of Oswego, offering generous living spaces, a functional floor plan, and several major recent updates. A welcoming two-story foyer sets the tone as you enter, while large windows throughout fill the home with an abundance of natural light. The thoughtfully designed layout provides plenty of space for everyday living, entertaining, and working from home. Fresh interior paint and brand-new carpeting create a clean, neutral foundation, while still offering the next owner the opportunity to add their own style and personal touches. The partially finished basement adds valuable additional living space and features a dry bar-perfect for a recreation room, home office, fitness area, playroom, or game-day gatherings. Step outside to a generously sized backyard offering endless possibilities for outdoor entertaining, gardening, play, or simply relaxing and enjoying the outdoors. Major recent improvements add even more value, including a brand-new roof (August 2026), new water heater (July 2026), new air conditioner, and whole-home interior paint (Spring 2026), plus new carpet (summer 2026). Conveniently located near parks, walking trails, shopping, dining, and Oswego-area schools, this home offers the ideal combination of space, location, recent improvements, and opportunity. Whether you're looking for room to grow or a home you can personalize over time, this property is ready for its next chapter.
New
$440,000
418 Terrace Ln, Oswego, IL 60543
4beds
2,245sqft
Single Family Residence
Built in 2001
0.26 Acres Lot
$-- Zestimate®
$196/sqft
$24/mo HOA
What's special
Partially finished basementDry barGenerous living spacesGenerously sized backyardWelcoming two-story foyerBrand-new carpetingFresh interior paint
- --
- on Zillow |
- 83
- views |
- 6
- saves |
Zillow last checked:
Listing updated:
Listed by:
Maribel Lopez, CSC (630)888-2113,
Keller Williams Infinity
Source: MRED as distributed by MLS GRID,MLS#: 12707891
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Rooms
- Room types: No additional rooms
Primary bedroom
- Features: Flooring (Carpet), Bathroom (Full)
- Level: Second
- Area: 252 Square Feet
- Dimensions: 18X14
Bedroom 2
- Features: Flooring (Carpet)
- Level: Second
- Area: 130 Square Feet
- Dimensions: 13X10
Bedroom 3
- Features: Flooring (Carpet)
- Level: Second
- Area: 130 Square Feet
- Dimensions: 13X10
Bedroom 4
- Features: Flooring (Carpet)
- Level: Second
- Area: 144 Square Feet
- Dimensions: 12X12
Dining room
- Features: Flooring (Carpet), Window Treatments (Blinds)
- Level: Main
- Area: 120 Square Feet
- Dimensions: 12X10
Family room
- Features: Flooring (Carpet)
- Level: Main
- Area: 462 Square Feet
- Dimensions: 21X22
Kitchen
- Features: Kitchen (Eating Area-Table Space, Island), Flooring (Vinyl)
- Level: Main
- Area: 156 Square Feet
- Dimensions: 13X12
Laundry
- Level: Main
- Area: 54 Square Feet
- Dimensions: 9X6
Living room
- Features: Flooring (Carpet), Window Treatments (Blinds)
- Level: Main
- Area: 208 Square Feet
- Dimensions: 16X13
Heating
- Natural Gas, Forced Air
Cooling
- Central Air
Appliances
- Included: Range, Dishwasher, Refrigerator, Washer, Dryer
- Laundry: Main Level, In Unit
Features
- Basement: Finished,Partial
Interior area
- Total structure area: 1,100
- Total interior livable area: 2,245 sqft
Property
Parking
- Total spaces: 2
- Parking features: Asphalt, Garage Door Opener, Yes, Garage Owned, Attached, Garage
- Attached garage spaces: 2
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: No Disability Access
Features
- Stories: 2
Lot
- Size: 0.26 Acres
- Dimensions: 75 x 145
- Features: Landscaped
Details
- Parcel number: 0319403023
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
- Foundation: Concrete Perimeter
- Roof: Asphalt
Condition
- New construction: No
- Year built: 2001
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & HOA
HOA
- Has HOA: Yes
- Services included: None
- HOA fee: $285 annually
Location
- Region: Oswego
Financial & listing details
- Price per square foot: $196/sqft
- Tax assessed value: $349,929
- Annual tax amount: $8,716
- Date on market: 8/20/2026
- Ownership: Fee Simple
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 7/17/2026 | Listing removed | $425,000$189/sqft |
Source: MRED as distributed by MLS GRID #12663172 Report a problem | ||
| 7/2/2026 | Contingent | $425,000$189/sqft |
Source: MRED as distributed by MLS GRID #12663172 Report a problem | ||
| 6/26/2026 | Price change | $425,000-3.4%$189/sqft |
Source:  MRED as distributed by MLS GRID #12663172 Report a problem | ||
| 6/11/2026 | Listed for sale | $440,000+129.8%$196/sqft |
Source: MRED as distributed by MLS GRID #12663172 Report a problem | ||
| 6/8/2001 | Sold | $191,500$85/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $8,904 +4.5% | $116,643 +13% |
| 2023 | $8,517 +6.3% | $103,224 +9% |
| 2022 | $8,011 +6.9% | $94,701 +10% |
| 2021 | $7,495 +4.4% | $86,092 +5% |
| 2020 | $7,182 -4.9% | $81,992 -3.1% |
| 2019 | $7,553 +100% | $84,658 +3.8% |
| 2018 | $3,777 +2.9% | $81,550 +5.1% |
| 2017 | $3,668 +4.5% | $77,558 +5.5% |
| 2016 | $3,511 -1.5% | $73,515 +3% |
| 2015 | $3,566 | $71,374 +6% |
| 2014 | $3,566 | $67,334 -1% |
| 2013 | -- | $68,014 -3% |
| 2012 | -- | $70,147 -8% |
| 2011 | -- | $76,247 -7.8% |
| 2010 | -- | $82,660 -4.5% |
| 2009 | -- | $86,579 +7.3% |
| 2008 | -- | $80,717 -2.1% |
| 2007 | -- | $82,490 |
| 2006 | $5,836 | $82,490 +6.7% |
| 2005 | -- | $77,310 +6.5% |
| 2004 | $5,216 +10.6% | $72,592 +4.2% |
| 2003 | $4,715 | $69,635 +8.5% |
| 2002 | $4,715 +130.6% | $64,180 +120.7% |
| 2001 | $2,044 +8637% | $29,077 +9592.3% |
| 2000 | $23 | $300 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: Lakeview
Nearby schools
GreatSchools rating
- 7/10Prairie Point Elementary SchoolGrades: K-5Distance: 0.8 mi
- 6/10Traughber Jr High SchoolGrades: 6-8Distance: 1.6 mi
- 8/10Oswego High SchoolGrades: 9-12Distance: 1.4 mi
Schools provided by the listing agent
- Elementary: Prairie Point Elementary School
- Middle: Traughber Junior High School
- High: Oswego High School
- District: 308
Source: MRED as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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A local agent can set up tours, give advice and negotiate with sellers.
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