$465,000

176 Riverside Island Drive, Fox Lake, IL 60020

Active Under Contract
3 beds 2 baths 1,309 sqft (assessor) Built 1927 Residential MLS #MRD12708484 31 days on market
Listing courtesy of Stellar Results Realty · 224-426-4650 · MLS #MRD12708484 · Status: Active Under Contract
Perched in a welcoming island community where you can drive right to your front door, this charming Chain O'Lakes cottage offers the perfect blend of year-round comfort and weekend escape. Best of all, you'll enjoy the peace of mind that comes with being high and dry, outside of the flood zone, embracing the waterfront lifestyle you've been dreaming about without the worry. Step inside to discover a freshly painted interior where the kitchen flows effortlessly into the open-concept living and dining areas. Expansive waterfront views create a stunning backdrop, while hardwood floors and a cozy fireplace add warmth and character, making every season enjoyable. Just outside, a spacious deck invites you to relax with your morning coffee, entertain friends, or unwind after a fun day soaking up fun and sun on the water. The thoughtfully designed floor plan features three bedrooms and two full baths, including a private primary suite occupying its own level. This peaceful retreat offers a generously sized bedroom, an en suite bath, and the added convenience of a washer and dryer on the same floor. Life on the Chain is all about making memories, and this property is ready for adventure from day one. The pier and boat lift are included, allowing you to head out on the water whenever the mood strikes. A waterfront shed provides the perfect place to store kayaks, paddleboards, fishing gear, and other lake toys, while the detached garage offers additional storage. Beyond your backyard, you'll love being just moments from one of the area's favorite gathering spots-Lakefront Park. Spend summer evenings enjoying Friday night concerts, cool off at the splash park, relax on the sandy beach, or watch spectacular fireworks that make this location even more special. Whether you're searching for a full-time waterfront residence or the perfect Chain O'Lakes getaway, this home offers the rare opportunity to enjoy the best of lake living in a close-knit community with all the conveniences of driving directly to your island home. Come experience the lifestyle that makes every day feel like a vacation.

Property details

Interior

Appliances
Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer
Interior features
1st Floor Bedroom, 1st Floor Full Bath, Open Floorplan
Flooring
Hardwood
Fireplaces
1
Fireplace details
Wood Burning
Basement
Partially Finished, Walk-Out Access
Laundry
Upper Level
Additional rooms
Office, Foyer, Enclosed Porch, Storage
Total rooms
6

Building & exterior

Age
91-100 Years
Exterior
Aluminum Siding
Exterior features
Boat Slip
Patio & porch
Deck
Other structures
Shed(s)

Parking

Garage spaces
1
Total spaces
1
Parking details
Yes, Garage Owned, Detached, Garage

Lot & location

Lot dimensions
36x193x20.1x47.9x170.6
Lot description
Water Rights
Township
Grant
County
Lake
Waterfront
Yes
Water body
CHAIN O'LAKES, NIPPERSINK

Utilities

Heating
Natural Gas, Forced Air
Cooling
Window Unit(s)
Water
Well
Sewer
Septic Tank

HOA & community

Assessment includes
None
Community features
Park, Lake, Water Rights

Schools

Elementary
Lotus (114)
Junior high
Stanton (114)
High school
Grant Community High School (124)

Taxes & terms

Annual taxes
$6,283 (2025)
Parcel number (PIN)
05044010120000
PIN
05044010120000
Ownership
Fee Simple
Possession
Closing
Special conditions
None
Listed
7/23/2026

Rooms

RoomSizeLevelFlooring
Office8X12SecondHardwood
Foyer5X8MainCeramic Tile
Enclosed Porch5X17Walkout BasementOther
Storage14X20Walkout BasementOther
Bedroom 211X16Walkout BasementOther
Bedroom 38X9MainOther
Bedroom 4N/A
Dining RoomN/A
Family RoomN/A
Kitchen8X9MainCeramic Tile
LaundryN/A
Living Room17X24MainHardwood
Master Bedroom12X23SecondHardwood

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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