$395,000

309 S Cross Trail, McHenry, IL 60050

Active
4 beds 2.5 baths 2,348 sqft (assessor) Built 1989 Residential MLS #MRD12701143 36 days on market
Listing courtesy of Suburban Life Realty, Ltd · 847-363-0990 · lysienma@suburbanliferealty.com · MLS #MRD12701143 · Status: Active
Located in the sought-after Winding Creek neighborhood, this spacious two-story home offers 4 bedrooms, 2.5 bathrooms, and a layout designed to fit today's lifestyle. Bright, open living spaces and soaring vaulted ceilings create an inviting atmosphere from the moment you enter. The kitchen offers ample cabinet and counter space, stainless steel appliances, an updated faucet, and a comfortable dining area for everyday meals. Adjacent living and dining spaces provide flexibility for entertaining guests or enjoying time with family. Anchored by a gas fireplace, the family room is the perfect place to relax and unwind. Upstairs, the private primary suite features vaulted ceilings, a large walk-in closet, and an en suite bath with a whirlpool tub and separate shower. Three additional generously sized bedrooms complete the upper level. A sunroom with newer floating flooring offers additional living space that's ideal for reading, enjoying your morning coffee, or simply taking in views of the backyard. Step outside onto the deck overlooking the expansive yard, providing plenty of room for outdoor entertaining, play, or gardening. The full basement is ready for your finishing touches and includes a separate room that's well suited for a home office, workout area, craft room, or additional storage. A conveniently located first-floor laundry room with a newer washer and electric dryer sits just inside the attached two-car garage. Recent improvements include newer windows in select areas of the home, newer exterior siding, a new water heater, and a kitchen sink water filtration system. Enjoy the convenience of being just minutes from parks, schools, shopping, dining, and the McHenry Metra station. Offering generous living space, thoughtful updates, and an excellent location, this home is ready for its next chapter and provides the perfect opportunity to add your personal style with a fresh coat of paint and a few finishing touches.

Property details

Interior

Appliances
Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Disposal, Stainless Steel Appliance(s), Water Softener, Gas Cooktop
Interior features
Cathedral Ceiling(s), Dining Combo
Flooring
Laminate
Fireplaces
1
Fireplace details
Gas Log, Gas Starter
Basement
Partially Finished, Rec/Family Area, Storage Space, Full
Laundry
Main Level, Electric Dryer Hookup
Additional rooms
Sun Room, Recreation Room, Play Room
Total rooms
10

Building & exterior

Style
Traditional
Age
31-40 Years
Exterior
Vinyl Siding
Roof
Asphalt
Foundation
Concrete Perimeter
Patio & porch
Deck, Porch
Other structures
Shed(s)

Parking

Garage spaces
2
Total spaces
8
Parking details
Concrete, Garage Door Opener, Yes, Garage Owned, Attached, Driveway, Owned, Garage

Lot & location

Lot dimensions
80X126X63X136
Township
Nunda
County
McHenry

Utilities

Heating
Natural Gas
Cooling
Central Air
Water
Public
Sewer
Public Sewer
Electricity
Circuit Breakers
Equipment
Water-Softener Owned, CO Detectors, Sump Pump

HOA & community

Assessment includes
None
Community features
Park, Curbs, Sidewalks, Street Lights, Street Paved

Schools

Elementary
Riverwood Elementary School (15)
Junior high
Parkland Middle School (15)
High school
(156)

Taxes & terms

Annual taxes
$8,878 (2025)
Parcel number (PIN)
1403106015
PIN
1403106015
Ownership
Fee Simple
Possession
Closing
Special conditions
None
Listed
7/16/2026

Rooms

RoomSizeLevelFlooring
Sun Room12X10Main
Recreation Room14X21BasementCarpet
Play Room12X10BasementCarpet
Bedroom 212X12SecondCarpet
Bedroom 312X12SecondCarpet
Bedroom 411X09SecondCarpet
Dining Room13X12MainWood Laminate
Family Room19X16MainCarpet
Kitchen17X12MainCeramic Tile
Laundry5X8Main
Living Room14X13MainWood Laminate
Master Bedroom18X14SecondCarpet

What would this home cost per month?

Using this listing's actual tax bill (2025) — adjust anything.

Rates move daily — edit to today's quote. Under 20% down adds PMI automatically.

Estimated monthly payment
$0
Principal & interest
Property taxes
Insurance
PMI (under 20% down)
HOA / assessments

Estimates only — not a loan offer or quote; your rate, insurance and PMI depend on your credit and lender. Run other scenarios on the full mortgage calculator, or ask us to connect you with lenders our clients actually close with.

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