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288 N Charles St , Cortland, IL 60112
$394,999
Est. Payment: $2,119.36/mo
4 Bed
3 Bath
2740 Sqft
0.14 Acres
Status: contingent | Days on site: 51
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5115 - 57398,83331
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from IDX Support, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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House Description

Why wait for new construction when you can move right into one of the largest homes currently available in desirable Richland Trails? Offering approximately 2,740 square feet, this impressive 4-bedroom, 2.5-bath two-story delivers the space, finishes, and flexibility today's buyers are looking for-plus a $5,000 seller credit and immediate or quick-close availability. The open-concept main level features high-quality wide-plank engineered wood flooring, LED lighting, and a sought-after first-floor primary suite with private en-suite bath. The kitchen stands out with quartz countertops, 42-inch solid shaker-style soft-close cabinetry, stainless-steel appliances, and ceramic flooring in wet areas. Upstairs provides additional generously sized bedrooms, while the partially finished basement offers even more space for recreation, a home office, fitness area, or future expansion. The owned lifestyle benefits continue with solar panels producing upwards of 12,750 kWh, helping offset electricity usage. Outside the home, Richland Trails residents enjoy scenic walking paths and an onsite neighborhood park. Conveniently located just minutes from I-88, this property combines newer-home style with more square footage, established improvements, and the ability to move in without waiting for construction. Even better, the property may qualify for a zero-down USDA loan, giving eligible buyers another opportunity to make homeownership more attainable. With 2,740 square feet, a first-floor primary suite, solar energy production, a $5,000 seller credit, and quick possession available, this Richland Trails home deserves to be at the top of your showing list.
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Highlights

Listed by Gibran Young , 815-276-1129 CENTURY 21 New Heritage , 815-568-8093. Midwest Real Estate Data mls logo

Property Type

Residential
Lot/Acreage
0.14

HOA Fee

75 Quarterly

Year Built

2023

County

DeKalb

Area

Cortland

 Neighborhood

Richland Trails

 School District

428

Listing ID

12729725

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Disposal, Stainless Steel Appliance(s), Water Softener Owned, Humidifier, Water-Softener Owned,CO Detectors,Ceiling Fan(s),Sump Pump,Radon Mitigation System,Water Heater-Gas
Air Cond:Central Air
Fireplaces:
Basement:Partially Finished,Egress Window,Rec/Family Area,Storage Space,Full
Other:
  • ▪ Additional:Cathedral Ceiling(s), 1st Floor Bedroom, 1st Floor Full Bath, Walk-In Closet(s)
Water:Public

Exterior Features

Lot Dimensions:110X55
Garage Capacity:2
Roof:Asphalt
Sewer:Public Sewer
Parking Features:Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,Garage
Principal Interest
$2,119
Taxes
$252
HOA
$75

Home Price

$394,999

Loan Details

30 yrs
7.08%

Down Payment

20%
$79,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,119.36

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,119.36 $251.81 $75.00 $2,446.17
Yearly $25,432.27 $3,021.74 $900.00 $29,354.01
Total $762,968.09 $90,652.27 $27,000.00 $880,620.36
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Market insight data is pulled from the same city as the listing being viewed (Cortland, IL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information submitted to the MRED as of the date listed below. All data is obtained from various sources and has not been, and will not be, verified by broker or MRED. MRED supplied Open House information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers' personal non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by MTP or MRED. The use of the MRED Data may be subject to an end user license agreement prescribed by the Member Participant's applicable MLS if any and as amended from time to time.

Based on information submitted to the MLS GRID as of the date listed below. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers' personal non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, that the data is deemed reliable but is not guaranteed by MLS GRID, and that the use of the MLS GRID Data may be subject to an end user license agreement prescribed by the Member Participant's applicable MLS if any and as amended from time to time. MLS GRID may, at its discretion, require use of other disclaimers as necessary to protect Member Participant, and/or their MLS from liability. Some listings have been excluded from this website.

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Data last updated: 2026-10-27T02:55:04.000Z

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