418 Terrace Lane
Oswego, IL, 60543 $ 440,000
Bedrooms4 Baths2.1 Sq 2,245 Monthly Estimate*
$ 2,778
for $440,000 with 4 bedrooms and 2 full baths, 1 half bath. This 2,245 square foot home was built in 2001 on a lot size of 0.255.
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.
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FeaturesGeneralLiving Area 2245
Sewer Public Sewer
Heating Natural Gas Forced Air
Cooling Central Air
Possession Closing
Roof Asphalt
Appliances Range Dishwasher Refrigerator Washer Dryer
HOA Fee 285
Garage Spaces 2
Association Fee Includes None
Construction Materials Vinyl Siding
Year Built 2001
Township Oswego
Tax Year 2025
Ownership Fee Simple
Assoc Fee Paid Per Annually
County Kendall
New Construction N
Property Type Residential Detached Single
Total Rooms 8
Full Baths 2
Status New
Directions Home is on Terrace Lane
High School Oswego High School
City Oswego
High School District 308
MLS Area Oswego
Elementary School Prairie Point Elementary School
Tax Annual Amount 8716
Middle/Junior High School Traughber Junior High School
Additional Parcels Y/N N
Standard Status Active
Middle/Junior School District 308
Elementary School District 308
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InteriorBasement Finished Partial
Total Fireplaces 0
Half Baths 1
Laundry Features Main Level In Unit
Total Bedrooms 4
Room Type No additional rooms
Total Baths 3
Bedrooms Possible 4
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ExteriorParking Features Asphalt Garage Door Opener Yes Garage Owned Attached Garage
Lot Features Landscaped
Water Source Public
Total Parking 2
Foundation Details Concrete Perimeter
Lot Dimensions 75 x 145
Lot Size Acres 0.255
Waterfront Y/N N
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* Excluded FeaturesList ByKeller Williams InfinityBroker
essencerealtyteam@gmail.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $2,778
- Monthly Property Taxes
- $726
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Oswego, IL
Average List Price $550,441
Percent of Sale Price 25%
About Oswego, IL 31,545 Population
130% Since 2002
$ 94,639 Median Income
36.59 Median Age
44% Households with Children
Trends Information provided by ATTOM Data Solutions.
1540268 Elementary School
1540506 Middle School
Oswego High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 8/20/2026 | $440,000 | | Listed Price |