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$450,000 Just Listed

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 3 Full Baths
  • 1 Partial Bath
  • 2,200 Sq. Ft.
  • 3 Car Garage
  • Updated 1 day ago

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GORGEOUS move-in ready home located in desirable MILL RACE CREEK close to everything Oswego has to offer yet quietly tucked away in a convenient, quiet, established neighborhood. It sits on a LARGE semi cul-de-sac lot with a SPACIOUS fenced yard and mature landscaping. The CUSTOM brick paver front patio and HUGE brick paver back patio with TWO separate seating areas AND a FIRE PIT create WONDERFUL spaces to hang out and enjoy. DRAMATIC two story entry and two story family room create lots of NATURAL LIGHT. A LARGE OPEN family room with FRESH NEW CARPET and eat-in kitchen space are conducive to entertaining. LOVELY QUARTZ countertops throughout the kitchen and upstairs baths. Crisp WHITE TRIM located throughout. Three nice sized bedrooms upstairs PLUS loft space offer plenty of room to unwind. The SIZEABLE primary bedroom contains an en suite bath. BRAND NEW washer and dryer. The THREE CAR garage is a great not only for your additional car but also for storage. In fact, there is TONS of storage throughout the home. The BEAUTIFULLY finished basement with 3/4 bath allows the space to act as ADDITIONAL living, guest or work space. MANY improvements ADD VALUE to this much loved home. DO NOT miss your chance to move right into this AWESOME home and create your own memories.

Full Property Details for 540 Waterford Dr

General

  • Price: $450,000
  • HOA FEE: $46/month
  • HOA FEE FREQ.: Quarterly
  • Taxes: $9,104 (2024)
  • Status: Active
  • Type: Single Family
  • Source: MRED
  • MLS ID: 12609854
  • Updated: 4/18/2026
  • Added to Site: 3 day(s) ago

Rental Information

  • Complex Features: Park, Tennis Court(s), Lake, Sidewalks, Street Lights, Street Paved

Interior

  • Basement: Finished, F
  • Interior Features: Vaulted Ceiling(s), Walk-In Closet(s), Pantry, Replacement Windows, Quartz Counters
  • Appliances: Range, Microwave, Dishwasher, Refrigerator, Disposal, Gas Cooktop, Gas Oven
  • Flooring: Hardwood, Carpet

Rooms

Bathrooms

  • Total Bathrooms: 4
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Basement Baths: Yes

Bedrooms

  • Total Bedrooms: 4
  • Bedrooms(Blw Grade): 1

Additional Information

  • Equipment: Ceiling Fan(s), Sump Pump
  • Other Features: School Bus Service

Exterior

  • Exterior Features: Fire Pit

Parking

  • Garage: Yes
  • Attached garage: Yes
  • Garage Spaces: 3
  • Total Spaces: 3
  • Parking Features: Asphalt, Garage Door Opener, Yes, Garage Owned, Attached, Garage

Location

  • Area: Oswego
  • County: Kendall
  • Township: Oswego
  • Subdivision: Ponds at Mill Race Creek
  • Driving Directions: Route 34/Ogden Ave to Pearces Ford to Waterford Dr

School Information

  • School District: 308
  • Elem School District: 308
  • Midd School District: 308
  • High School District: 308
  • Elementary School: Old Post Elementary School
  • Middle School: Thompson Junior High School
  • High School: Oswego High School
  • Private School: Oswego High School

Community

  • Assoc. Fees Include: Other
  • Mgmt. Company: Associa Chicagoland

Heating & Cooling

  • Cooling Type: Central Air Conditioning
  • Heating Type: Forced Air

Utilities

  • Sewer: Public Sewer
  • Water: Public

Structural Information

  • Architectural Info: Traditional
  • Architectural Style: Traditional
  • Construction: Vinyl Siding
  • Exterior Const.: Vinyl Siding
  • Basement: Yes
  • Basement Desc.: Finished, Full
  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Sub-Flooring: Hardwood, Carpet
  • Square Feet: 2,200
  • Sq. Ft. Source: Other
  • Year Built: 1999

Lot Features

  • Lot Size Range: .25 to .49 Acre
  • Lot Dimensions: 66 x 129 x 95 x 118
  • Fence: Yes
  • Lot Features: Cul-De-Sac, Irregular Lot, Mature Trees
  • Fencing (Description): Fenced

Financial Considerations

  • Association Fee: $138
  • Assoc Fee Freq.: Quarterly
  • Parking Included: Yes
  • Assessment Year: 1999
  • Tax Amount: $9,104
  • Tax Year: 2024
  • Pays Sewer: Public Sewer

Disclosures and Reports

  • Ownership: Fee Simple with Homeowners Association
  • Special Conditions: Standard
  • Property ID: 309329007

Listed by Worth Clark Realty

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— 540 Waterford Dr —

  • Worth Clark Realty

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NMLS#: 1598647

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NMLS#: 1598647

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with our affiliated in-house agency

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Save up to an additional 20% by bundling your home and auto together!

Schools serving 540 Waterford Dr

School District:Oswego Community Unit School District 308
NameGradesDistance
Old Post Elementary School
100 Old Post Road, Oswego, IL 60543
K-50.4 mi
Thompson Jr High School
440 Boulder Hill Pass, Oswego, IL 60543
6-80.3 mi
Oswego High School
4250 State Route 71, Oswego, IL 60543
9-121.2 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 540 Waterford Dr Get Price Alerts and Save Property

Date
Details
Price
Change
Source
4/16/2026
Listed
$450,000
95.23%
MLS
11/19/2002
Sold
$230,500
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 540 Waterford Dr

Year
Property Taxes
Change
Tax Assessment
Change
2024
$9,104
5%
$119,130
13%
2023
$8,708
100%
$105,425
10%
2022
-100%
$95,841
7%
2021
$7,819
2%
$89,571
3%
2020
$7,650
2%
$86,962
3%
2019
$7,524
-5%
$84,387
-1%
2018
$7,933
2%
$85,368
4%
2017
$7,800
1%
$82,084
2%
2016
$7,746
-2%
$80,474
3%
2015
$7,868
-3%
$78,130
3%
2014
$8,075
—
$75,854
-1%
2013
$8,064
4%
$76,620
-3%
2012
$7,755
—
$78,989
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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540 Waterford Drive, Oswego, IL 60543 (MLS# 12609854) is a Single Family property with 4 bedrooms, 3 full bathrooms and 1 partial bathroom. 540 Waterford Drive is currently listed for $450,000 and was received on April 16, 2026. Want to learn more about 540 Waterford Drive? Do you have questions about finding other Single Family real estate for sale in Oswego? You can browse all Oswego real estate or contact a Coldwell Banker agent to request more information.

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