River Run Club, Oswego — True Cost of Ownership
Kendall County | Oswego | 100 homes | 55+ | Homes $220K–$360K | HOA ~$175/mo
The name "River Run Club" suggests Fox River proximity or access — verify this directly with the community before assuming water access is part of the purchase. The Fox River does flow through Oswego, but not all communities with river-adjacent names have direct river access or trails. Kendall County's effective property tax rate of ~2.4% is consistent with Kane County and in the same range as most of the southwest suburb communities. At $220K–$360K homes and a $175/mo HOA, the total monthly cost picture at River Run Club is mid-range for the Kendall and Kane County 55+ market.
Monthly Cost Breakdown
| Cost Item | Est. Monthly (Low) | Est. Monthly (High) | Notes |
|---|---|---|---|
| HOA fee | $165 | $185 | Common areas; verify exact inclusions |
| Property tax | $440 | $720 | Kendall ~2.4%; on $220K–$360K homes |
| Lawn care | $60 | $110 | Owner responsibility |
| Homeowners insurance | $100 | $155 | Full structure coverage |
| Utilities | $165 | $250 | Not in HOA |
| Total monthly (excl. mortgage) | ~$930 | ~$1,420 |
Kendall County Tax by Home Value
| Purchase Price | Annual Tax Est. | Monthly |
|---|---|---|
| $220,000 | $5,280 | $440 |
| $265,000 | $6,360 | $530 |
| $310,000 | $7,440 | $620 |
| $360,000 | $8,640 | $720 |
10-Year Projection — $270K Home
| Cost Item | 10-Year Estimate |
|---|---|
| HOA fees (3% annual increase from $175/mo) | ~$24,300 |
| Property tax (~$6,480/yr) | ~$67,300 |
| Lawn care (~$83/mo) | ~$10,000 |
| Insurance (~$126/mo) | ~$15,100 |
| Utilities (~$205/mo) | ~$24,600 |
| Total non-mortgage cost (10 yr) | ~$141,300 |
Questions on River Run Club?
Connect with a Kendall County buyer agent for current listings and confirmation of river or trail access details.
Talk to an Agent