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196 Chapin Way , Oswego, IL 60543
$555,000
Est. Payment: $2,977.84/mo
4 Bed
4 Bath
2844 Sqft
0.22 Acres
Status: contingent | Days on site: 20
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22029 - 244264,243937,249604,261546
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

STUNNING WATERFRONT HOME IN PRESCOTT MILL! Perched directly on the water, this stunning 2,844 sq ft Prescott Mill beauty offers unobstructed, direct pond views right from your own backyard and the sunrises here are nothing short of spectacular! FRESHLY painted and move-in ready, this spacious 5 bedroom, 3.5 bath, 3 car garage home features a main floor home office, finished basement, and two laundry rooms! MAIN LEVEL: Inside, the layout offers a comfortable flow with real hardwood flooring, a separate living room and dining room, along with a spacious kitchen and family room. The kitchen features 42" cabinetry, a pantry and recently upgraded quartz countertops, statement waterfall model island, tile backsplash, stainless steel sink/faucet/disposal, a reverse osmosis filter, and dishwasher featuring all-steel interior and 3rd rack. The main level also includes a perfect office/den! UPSTAIRS: Wake up and find yourself looking out over the water as the sun rises from the massive primary suite features a vaulted ceiling, huge walk-in closet, plus an additional closet utilized as a convenient 2nd floor laundry room! The master bathroom includes dual vanities, a soaking tub, and a separate shower. Also a full bath and three additional comfortable sized bedrooms provide plenty of space and closets. BASEMENT: The fully finished basement provides even more living space with a fifth bedroom, full bathroom, recreation area with sink and cabinets, and featuring a raised stage for the theater area with HDMI wiring for theater sound. There are also dedicated storage rooms. This home also offers a tankless water heater, whole-house humidifier, Ecobee smart thermostat, water softener and battery-backup sump pump. RECENT UPDATES: Just Freshly Painted Throughout (Sep 2026) | New Attic Insulation (2025) | New Furnace, AC & Ecobee Thermostat (Sept 2022) | Roof (Oct 2019) | Kitchen Upgrades (2024) | New Dryer (2023) | | Whole-House Humidifier | 240V EV Charger Outlet in Garage | MyQ Smart Garage Opener | Solar Floodlight | Basement HDMI Theater Sound Wiring. LOCATION & LIFESTYLE: Located in the sought-after Prescott Mill subdivision, residents enjoy access to a wonderful neighborhood park and playground, walking paths, and nearby schools. Best of all, you are just 10 minutes from shopping and dining along Route 59 (95th St.) and Route 34, combining peaceful waterfront living with ultimate daily convenience. This is the one you've been waiting for!
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Highlights

Listed by Carolyn Alzueta , 630-244-0062 and Hillary Lafferty , (630) 470-4804 Charles Rutenberg Realty of IL , 630-929-1100. Midwest Real Estate Data mls logo

Property Type

Residential
Lot/Acreage
0.22

HOA Fee

118 Quarterly

Year Built

2008

County

Kendall

Area

Oswego

 Neighborhood

Prescott Mill

 School District

308

Listing ID

12750494

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Range, Microwave, Dishwasher, Refrigerator, Freezer, Washer, Dryer, Disposal, Stainless Steel Appliance(s), Humidifier, CO Detectors,Ceiling Fan(s),Sump Pump,Backup Sump Pump;
Air Cond:Central Air
Fireplaces:Electric
Floor:Hardwood
Basement:Finished,Full
Other:
  • ▪ Additional:Vaulted Ceiling(s), Cathedral Ceiling(s), Walk-In Closet(s), Separate Dining Room, Pantry, Quartz Counters
Water:Public

Exterior Features

Lot:Pond,Waterfront
Lot Dimensions:80 X 120
Garage Capacity:3
Sewer:Public Sewer
Parking Features:Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,Garage
Principal Interest
$2,978
Taxes
$1,074
HOA
$118

Home Price

$555,000

Loan Details

30 yrs
7.08%

Down Payment

20%
$111,000
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:
$2,977.84

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,977.84 $1,074.42 $118.00 $4,170.25
Yearly $35,734.04 $12,893.00 $1,416.00 $50,043.04
Total $1,072,021.17 $386,790.00 $42,480.00 $1,501,291.17
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Market insight data is pulled from the same city as the listing being viewed (Oswego, 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: 2026-10-27T06:57:04.000Z

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