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186 Northshore Rd , Elgin, IL 60123
$85,000
Est. Payment: $456.07/mo
2 Bed
2 Bath
Status: active | Days on site: 20
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House Description

Welcome to comfortable, easy living in Willow Lake Estates, a beautifully maintained 55+ community nestled among mature trees in Elgin's scenic Fox River Valley. Owner has spent over $6,000 on improvements in the last year, so this home is ready for its next owner. This two-bedroom, two-bath home features a beautifully updated kitchen with granite countertops, a deep sink, generous workspace, and a convenient center island-a wonderful feature that helps set this home apart from many others in the community. Additional highlights include new blinds, an attached finished one-car garage, and an oversized covered front porch that provides the perfect place for grilling, relaxing, and decorating throughout the seasons. The generously sized side yard offers additional possibilities for creating a patio, flower garden, or vegetable garden. More than $6,000 has recently been invested in new appliances, professional labor, repairs, and other improvements to prepare the home for its next owner. A new refrigerator, washer, dryer, and Rheem water heater were installed in July 2026, and a new high-efficiency furnace was installed in November 2025. Enjoy the spacious 23' x 8' covered porch-approximately 184 square feet of additional outdoor living space, with plenty of room for comfortable seating, grilling, entertaining, and a beautiful container garden. It's the perfect place to relax with morning coffee or unwind at the end of the day. The home also received professional energy-efficiency improvements through the Illinois Home Weatherization Assistance Program (IHWAP), including air sealing and a Broan continuous ventilation fan designed to promote healthy airflow and help manage indoor moisture. The fan's continuous operation is an intentional part of the home's ventilation system. The new items include one-year warranty coverage. The next owner may also have the option to purchase extended, transferable protection through Abt for up to five years, subject to Abt's terms and eligibility requirements. The home is conveniently located within walking distance of the community clubhouse and heated outdoor swimming pool. Willow Lake Estates offers beautiful waterfront surroundings, a private spring-fed lake stocked with game fish, and a boat launch and pier for residents who enjoy fishing and water recreation. The community's scenic waters provide opportunities for kayaking and boating, subject to community rules and requirements. The spacious clubhouse serves as the center of community life and includes a fitness center, library, laundry facility, and gathering and party spaces. Residents can also participate in morning coffee gatherings, ceramics, garden club, monthly group activities, resident parties, and other regularly scheduled programs. Site rent includes weekly lawn mowing, community snow removal, street maintenance and paving when needed, and access to the community's many amenities. Residents also enjoy convenient access to shopping, downtown Elgin, major highways, Chicago, and O'Hare International Airport. The home may benefit from some interior painting and possibly new bedroom carpeting, allowing the next owner to choose colors and finishes that reflect their personal style. The owner is selling due to relocation and will carefully consider all reasonable offers. Note the lot rent for this home is among the lowest in the park. This well-cared-for home is ready for its next owner to make it their own and enjoy everything Willow Lake Estates has to offer. Home is in fantastic condition, so this sale is as is.

Highlights

Listed by Ron Donavon , 630-740-5093 Keller Williams Inspire - Geneva , 630-262-9500. Midwest Real Estate Data mls logo

Property Type

Manufactured Home

Year Built

2019

County

Kane

Area

Elgin

Neighborhood

Willow Lake Estates

School District

46

Listing ID

12741960

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Range, Dishwasher, Refrigerator, Washer, Dryer
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:1st Floor Bedroom
Water:Public

Exterior Features

Lot Dimensions:1094
Garage Capacity:1
Roof:Asphalt
Sewer:Public Sewer
Parking Features:Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,Garage
Principal Interest
$456
Taxes
$11

Home Price

$85,000

Loan Details

30 yrs
7.08%

Down Payment

20%
$17,000
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:
$456.07

Principal

Taxes

Principal Taxes HOA Total
Monthly $456.07 $10.94 $0.00 $467.01
Yearly $5,472.78 $131.28 $0.00 $5,604.06
Total $164,183.42 $3,938.40 $0.00 $168,121.82
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Market insight data is pulled from the same city as the listing being viewed (Elgin, 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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