1009 Bay Rd Lot 23, McHenry, IL, 60051
About This Home
Enjoy affordable, year-round living or the perfect weekend getaway in this well-maintained home located in the Harbor Lites community! Situated directly across from the association park and piers, you'll love the beautiful water views and easy access to Pistakee Bay and the Chain O'Lakes. This bright and inviting home features vaulted ceilings, an open-concept layout, and abundant natural light. The spacious kitchen offers a breakfast bar, dining area, and includes all appliances, plus a full-size washer and dryer. Step outside to enjoy the oversized 32' x 12' deck, fenced patio, fire pit, and two storage sheds, providing plenty of space for entertaining and outdoor living. Harbor Lites offers water access with boat slips and piers available for an additional annual fee. Monthly lot rent includes water, sewer, lawn care, snow removal, and trash service. Buyers must receive park approval through a credit and background check. Don't miss this opportunity to enjoy the Chain O'Lakes lifestyle at an affordable price!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2005
Materials
- Roof: Asphalt
- Construction materials: Vinyl Siding
Other
- Builder model: New Moon
Type & Style
- Home type: MobileManufactured
- Property subType: Manufactured Home,Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Dishwasher,Refrigerator,Washer,Dryer
- Laundry features: Washer Hookup,Gas Dryer Hookup,In Unit
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- Cathedral Ceiling(s)
- Window features: Drapes
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Kitchen
- Features: Flooring (Luxury Vinyl)
- Area: 135
- Dimensions: 15X9
Laundry
- Level: Main
Living Room
- Features: Flooring (Luxury Vinyl),Window Treatments (Blinds)
- Area: 330
- Dimensions: 22X15
Master Bedroom
- Features: Flooring (Luxury Vinyl)
- Area: 165
- Dimensions: 15X11
Property
Accessibility
- Accessibility features: No Disability Access
Details
- Parcel number: 1126857200
- Special condition: None
Features
- Patio & porch: Deck
- Fencing: Fenced
- Has view: Yes
- View description: Water,Front of Property
- Has water view: Yes
- Water view: Water,Front of Property
- On waterfront: Yes
- Waterfront features: Channel Front
- Waterbody name: LAC LOUETTE
Parking
- Total spaces: 2
- Parking features: Unassigned,Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Cold Wave
- Tornado
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $278 | $3,336 |
| Home Insurance * | $27 | $324 |
| Property Taxes | $103 | $1,236 |
| Electricity | $130 | $1,569 |
| Total | $538 | $6,456 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-25 | Listed for sale | $55,000 |
| 2021-12-13 | Listing removed | -- |
| 2021-03-15 | Sold | $28,000 |
| 2021-02-15 | Pending sale | $30,000 |
| 2021-01-06 | Contingent | $30,000 |
| 2021-01-06 | Pending sale | $30,000 |
| 2020-12-03 | Listed for sale | $30,000 |
| 2007-10-29 | Sold | $53,000 |
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