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13 River Row , Ottawa, IL 61350
$425,000
Est. Payment: $2,295.92/mo
3 Bed
4 Bath
1785 Sqft
Status: closed | Days on site: 225
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29109 - 247157,272909
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from IDX Support, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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House Description

This rare three bedroom, turn-key Condo is a great investment opportunity with limited rental restrictions. Or if you choose to use it as a Summer Cottage or a full time home, it fits the bill. You will wake each morning to tranquil river views and unwind each evening as golden sunsets dance across the Illinois River, your private balconies offer the perfect front-row seat. This beautifully appointed three-story townhome is designed to help you slow down, breathe deep, and embrace the ease of life by the water. Thoughtfully laid out across every level with 9 foot ceilings on the ground and entertaining level, the home blends comfort with a natural connection to its surroundings and the effortless feel of resort-style living. With three outdoor spaces, you'll enjoy morning coffee in the fresh air, evenings entertaining friends, or quiet moments watching boats glide past. Inside, this unit has three bedrooms, two full baths, and two half baths, along with flexible living areas ideal for both gatherings and peaceful retreats. The kitchen strikes the perfect balance of style and function with stainless steel appliances, quartz countertops, a breakfast bar, and an adjacent dining area. Outdoor living is easy with a screened-in porch and covered patio, while everyday conveniences include a second-floor laundry, and a two-car garage and a community pool located within a short walk from this address. Located in the waterfront community of Heritage Harbor, residents enjoy access to outdoor pools, an on-site restaurant, boat slips, scenic golf cart paths, and a future event venue planned for 2026. Miles of walking and biking trails weave throughout the neighborhood, including the picturesque 5K Harbor Walk. Just minutes away, downtown Ottawa offers charming shops, cafes, and year-round events. Here, every day feels like a getaway, and the river is always part of the view.
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Highlights

Listed by Tammy Barry , 815-252-3113 Homesmart Realty Group IL , 708-320-0002. Midwest Real Estate Data mls logo

Property Type

Condo/Townhome

HOA Fee

425 Monthly

Year Built

2011

County

LaSalle

Area

Danway / Dayton / Naplate / Ottawa / Prairie Center

 Neighborhood

Heritage Harbor

 School District

230

Listing ID

12564920

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:2
Appliances:Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Stainless Steel Appliance(s), TV-Cable,CO Detectors,Ceiling Fan(s)
Air Cond:Central Air
Fireplaces:
Floor:Laminate,Carpet
Other:
  • ▪ Additional:Walk-In Closet(s), Quartz Counters, Cats OK, Dogs OK
Water:Public

Exterior Features

Lot:Landscaped,Mature Trees,River Front,Waterfront
Lot Dimensions:49X21X49X21
Garage Capacity:2
Roof:Asphalt
Others:
  • ▪ Additional:Fire Pit
Sewer:Public Sewer
Parking Features:Concrete,Garage Door Opener,Yes,Garage Owned,Attached,Garage
Principal Interest
$2,296
Taxes
$1,039
HOA
$425

Home Price

$425,000

Loan Details

30 yrs
7.148%

Down Payment

20%
$85,000
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:
$2,295.92

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,295.92 $1,039.08 $425.00 $3,760.01
Yearly $27,551.08 $12,469.00 $5,100.00 $45,120.08
Total $826,532.48 $374,070.00 $153,000.00 $1,353,602.48
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Ottawa, 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: 2026-11-02T21:23:08.000Z

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