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49 N Lake Ave , Fox Lake, IL 60020
$479,000
Est. Payment: $2,614.10/mo
4 Bed
5 Bath
3192 Sqft
0.24 Acres
Status: active | Days on site: 34
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House Description

Welcome to this beautifully remodeled lake-area retreat with rare deeded access to the Chain O'Lakes, one of the most sought-after recreational water systems in Northern Illinois. Enjoy boating, dining, fishing, and waterfront living all summer long-directly from your private deeded strip of land with your own pier. Opportunities like this are hard to find and highly desirable. This spacious home offers over 3,100 square feet across three full levels of above-grade living space, making it ideal for large families, multi-generational living, or those who love to entertain. Completely renovated in 2020, the home blends modern finishes with warm, light-filled interiors and exceptional flexibility. The main living areas are filled with natural light from large windows throughout, creating a bright, open feel. Multiple balconies provide peaceful water views, enhancing the lake-lifestyle atmosphere. The expansive primary suite features a private en-suite bath and a connected office or nursery, perfect for remote work or growing families. The lower level is fully above ground, with large windows and an open living area featuring a built-in wet bar-ideal for an in-law suite, guest quarters, teen retreat, or entertainment space. Enjoy the outdoors with a custom granite bar area, perfect for summer gatherings. Then head down to your private Chain-of-Lakes access, where your own pier provides easy entry to one of the region's most popular boating and recreation destinations. Major Updates and Features 1 Rare deeded access to the Chain O'Lakes 2 Private strip of land with your own pier 3 Full remodel completed in 2020 4 New roof in 2023 5 Attic insulation redone in 2025 6 New stove installed in 2025 7 Fresh interior paint in 2025-2026 8 Newer HVAC systems 9 Updated bathrooms throughout 10 2.5-car garage 11 Multiple balconies with water views 12 Three full levels of above-grade living space This home offers the rare combination of size, flexibility, natural light, and direct access to the Chain O'Lakes, making it perfect for families, entertainers, or anyone seeking a true waterfront lifestyle without full waterfront pricing.

Highlights

Listed by Ryan Cherney , 630-862-5181 Circle One Realty , 630-528-2300. Midwest Real Estate Data mls logo

Property Type

Residential

Lot/Acreage
0.24

Year Built

1930

County

Lake

Area

Fox Lake

School District

114

Listing ID

12644013

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Stainless Steel Appliance(s), Ceiling Fan(s),Sump Pump
Air Cond:Central Air
Fireplaces:
Floor:Laminate
Basement:Finished,Full
Other:
  • ▪ Additional:Wet Bar, 1st Floor Bedroom, 1st Floor Full Bath
Water:Public

Exterior Features

Lot:Lake Front
Lot Dimensions:0.24
Roof:Asphalt
Others:
  • ▪ Additional:Balcony
Sewer:Public Sewer
Parking Features:Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,Garage
Principal Interest
$2,614
Taxes
$720

Home Price

$479,000

Loan Details

30 yrs
7.25%

Down Payment

20%
$95,800
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Monthly Price:
$2,614.10

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,614.10 $719.72 $0.00 $3,333.82
Yearly $31,369.19 $8,636.64 $0.00 $40,005.83
Total $941,075.82 $259,099.20 $0.00 $1,200,175.02
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Master Chief
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Market insight data is pulled from the same city as the listing being viewed (Fox Lake, 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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