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38 N Holly Avenue, Fox Lake, IL 60020.
EXTENSIVELY UPDATED & DESIGNED FOR FLEXIBLE LAKE LIVING, this 4,700+ sqft Chain O'Lakes property offers a rare opportunity to own a TRUE LAKE HOME with shared 1/7 ownership of the waterfront HOA lot across the street, & an exceptional collection of amenities. Designed for flexible living, the home features 5 bedrooms, 4.5 baths, including a main level ensuite & a finished basement with 2 bedrooms, full bath, full kitchen, laundry hookup, & private entrance ideal for multigenerational living or extended guests. The expansive main level kitchen is centered around an oversized island with abundant cabinetry, while multiple living areas, a vaulted dining room, heated 3-season room, & lake views create spaces for everyday living & entertaining. The second-floor primary suite offers two cedar walk-in closets, a freestanding soaking tub, separate shower, double vanity, fireplace, & panoramic views of Mineola Bay. Since 2024, the current owners have completed extensive mechanical & capital improvements, including a new second-floor HVAC system, new garage doors, & numerous additional updates. The home is also available with Weber grill, Brunswick pool table & table tennis table, water toys, outdoor fire pit dining set, & additional personal property available separately, allowing buyers to customize the purchase to their needs.
MLS ID: 12785102
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38 N Holly Avenue, Fox Lake, IL 60020.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $1,025,000 | $1,025,000 | $1,025,000 |
| Down Payment | $205,000 | $35,875 | $256,250 |
| Monthly Mortgage Amount | $5,455 | $6,696 | $6,644 |
| Taxes | $1426 | $1426 | $1426 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $615 | $0 |
| Monthly Estimated Total | $7,180 | $9,036 | $8,369 |
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