Steeplechase at Churchill Club, Oswego — True Cost of Ownership

Kendall County | 212 homes | Mixed housing | Golf adjacent | Homes $230K–$420K

Steeplechase at Churchill Club occupies an unusual position: the Churchill Club golf course that gives the community its name existed before the 55+ residential development was built around it. The course is not HOA-owned, and resident golf access is by separate membership or public green fees — not included in the HOA. This is distinct from Carillon (Plainfield) where the golf course is a community asset, and similar to Regency at Bowes Creek where the course predates and operates independently of the housing. If golf proximity (views, walkable access) matters but mandatory membership does not, this structure works. If you want to know that your HOA fee is securing your golf access, look elsewhere.

Kendall County sits between Will County to the north and Kane County to the west. The effective property tax rate of ~2.4% is consistent with Kane County — higher than Will or McHenry but lower than Lake. Oswego is a fast-growing outer suburb with the commercial development that comes with population growth, which means service access is better here than it was 10 years ago.

Kendall County is the least-known county in the Chicago 55+ market — most buyers are comparing Will, DuPage, Kane, and Lake, and Kendall does not come up in most regional market comparisons. The effective tax rate is similar to Kane. The county lacks the Metra service lines of the collar counties with longer histories, which means more car-dependence for city access. For buyers who plan to stay local 95% of the time, that is not a meaningful limitation.

Monthly Cost Breakdown

Cost Item	Est. Monthly (Low)	Est. Monthly (High)	Notes
HOA fee	$190	$215	Community amenities; golf not included
Property tax	$460	$840	Kendall ~2.4%; on $230K–$420K homes
Insurance	$105	$175	Varies by housing type
Utilities	$175	$260	Not in HOA
Total monthly (excl. mortgage)	~$930	~$1,490

Kendall County Tax by Home Value

Purchase Price	Annual Tax Est.	Monthly
$230,000	$5,520	$460
$300,000	$7,200	$600
$360,000	$8,640	$720
$420,000	$10,080	$840

10-Year Projection — $300K Home

Cost Item	10-Year Estimate
HOA fees (3% annual increase from $200/mo)	~$27,700
Property tax (~$7,200/yr)	~$74,800
Insurance (~$138/mo)	~$16,600
Utilities (~$215/mo)	~$25,800
Total non-mortgage cost (10 yr)	~$144,900

Questions on Steeplechase at Churchill Club?

Connect with a Kendall County buyer agent for current listings and information on current Churchill Club resident golf rates.

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