$1,249,000

38 N Holly Avenue, Fox Lake, IL 60020

Active
3 beds (5 possible) 4.5 baths 4,719 sqft (assessor) Built 1988 Residential MLS #MRD12712635 7 days on market
Listing courtesy of Better Homes and Garden Real Estate Star Homes · 847-548-2625 · jim@starhometeam.com · MLS #MRD12712635 · Status: Active
FULLY FURNISHED & EXTENSIVELY UPDATED, this 4,700+ sqft Chain O'Lakes property offers a rare opportunity to own a TRUE TURNKEY LAKE HOME with a private boat slip, shared 1/7 ownership of the waterfront HOA lot across the street, & an exceptional collection of included 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, and 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, while adding designer furnishings, premium window treatments, & recreation amenities. The sale includes a nearly new 2024 Crest DLX240 tritoon, electric boat lift, golf cart, Weber grill, Brunswick pool table & table tennis table, water toys, outdoor fire pit dining set, & more, delivering a fully established Chain O'Lakes lifestyle with the home, furnishings, recreation, & recent improvements already in place.
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Property details

Interior

Appliances
Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Stainless Steel Appliance(s), Wine Refrigerator, Water Softener Owned, Humidifier
Interior features
Vaulted Ceiling(s), Dry Bar, 1st Floor Bedroom, In-Law Floorplan, 1st Floor Full Bath, Walk-In Closet(s), Beamed Ceilings, Open Floorplan, Separate Dining Room, Paneling, Quartz Counters
Flooring
Hardwood
Fireplaces
3
Fireplace details
Wood Burning, Gas Starter
Basement
Finished, Exterior Entry, Rec/Family Area, Sleeping Area, Walk-Up Access, Full
Laundry
Main Level, In Unit
Additional rooms
Bedroom 5, Den, Recreation Room, Kitchen, Enclosed Porch Heated
Total rooms
13

Building & exterior

Style
Victorian
Age
31-40 Years
Exterior
Cedar
Exterior features
Boat Slip, Outdoor Grill, Fire Pit
Roof
Asphalt
Windows
Screens, Shades, Window Treatments
Doors
Mirrored Closet Door(s), Atrium Door(s), Lever Style Door Handles, 6 Panel Door(s)
Patio & porch
Deck, Patio
Other structures
Boat Dock
Exposure
East

Parking

Garage spaces
3
Total spaces
3
Parking details
Asphalt, Circular Driveway, Garage Door Opener, Heated Garage, Yes, Garage Owned, Detached, Garage

Lot & location

Lot dimensions
17916
Lot description
Cul-De-Sac, Water Rights, Mature Trees, Garden, Views
Township
Grant
County
Lake

Utilities

Heating
Natural Gas, Forced Air, Sep Heating Systems - 2+
Cooling
Central Air
Water
Public
Sewer
Public Sewer
Equipment
Water-Softener Owned, CO Detectors, Ceiling Fan(s), Sump Pump, Water Heater-Gas

HOA & community

Assessment
$100 / monthly
Assessment includes
Insurance, Lake Rights
Community features
Park, Lake, Dock, Water Rights, Street Paved

Schools

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

Taxes & terms

Annual taxes
$21,896 (2025)
Parcel number (PIN)
05101020030000
PIN
05101020030000
Ownership
Fee Simple w/ HO Assn.
Possession
Closing
Special conditions
None
Listed
7/27/2026

Rooms

RoomSizeLevelFlooring
Bedroom 510X13Basement
Den13X16Basement
Recreation Room17X27Basement
Kitchen- 2nd15X18Basement
Enclosed Porch Heated13X12Main
Bedroom 213X17SecondHardwood
Bedroom 312X17MainHardwood
Bedroom 411X13Basement
Dining Room16X15MainHardwood
Family Room22X21MainHardwood
Kitchen14X21MainHardwood
Laundry6X10Main
Living Room15X15MainHardwood
Master Bedroom29X22SecondHardwood

What would this home cost per month?

Using this listing's actual tax bill (2025) and actual HOA assessment — 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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