Stonegate West, Aurora — True Cost of Ownership
Kane County | 336 homes | Age-targeted 55+ | Mixed housing | Homes $200K–$360K
Age-targeted vs. age-restricted — a real distinction: Stonegate West is described as age-targeted, meaning it is designed and marketed toward 55+ buyers but may not maintain the formal age restrictions required under the Housing for Older Persons Act (HOPA). Age-restricted communities must have at least 80% of occupied units with one resident 55 or older and maintain age verification records. Age-targeted communities have no such legal obligation and over time can shift demographic composition. If maintaining a consistent 55+ peer environment is central to your purchase decision, verify the current residency data and CC&R provisions with the HOA before closing.
Cost-wise, Stonegate West sits in the same Kane County environment as Carillon at Stonegate next door — same effective tax rate of ~2.4%, similar home price range, similar HOA structure. The main cost differentiator between these two adjacent communities is the $25/mo HOA difference and the resale pool dynamics that come with age-targeted vs. formally age-restricted status.
Monthly Cost Breakdown
| Cost Item | Est. Monthly (Low) | Est. Monthly (High) | Notes |
|---|---|---|---|
| HOA fee | $190 | $215 | Common areas, pool, clubhouse amenities |
| Property tax | $400 | $720 | Kane ~2.4%; on $200K–$360K homes |
| Insurance | $95 | $155 | Varies by housing type (attached vs. detached) |
| Utilities | $165 | $250 | Not included in HOA |
| Total monthly (excl. mortgage) | ~$850 | ~$1,340 |
Kane County Tax by Home Value
| Purchase Price | Annual Tax Est. | Monthly |
|---|---|---|
| $200,000 | $4,800 | $400 |
| $260,000 | $6,240 | $520 |
| $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 $200/mo) | ~$27,700 |
| Property tax (~$6,480/yr) | ~$67,200 |
| Insurance (~$125/mo) | ~$15,000 |
| Utilities (~$205/mo) | ~$24,600 |
| Total non-mortgage cost (10 yr) | ~$134,500 |
Questions on Stonegate West?
Connect with a Kane County buyer agent who can clarify the community's current age-restriction status and pull active listings.
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