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164 E Berkshire Dr, Crystal Lake, IL, 60014

3beds
3baths
2,039sqft
$429,990
$211price/sqft
$3,339/moest. monthly cost
$133,560/yrincome needed

About This Home

*Pre-construction Pricing and SPECIAL INCENTIVES AVAILABLE!* Homesite #0804. Welcome to the Chatham - a beautifully designed, three-story urban townhome where premium design and everyday ease converge harmoniously. This home offers three spacious bedrooms, two full bathrooms, and a convenient half bath. Luxury vinyl plank flooring spans the main level adding a warm and welcoming atmosphere throughout. The designer kitchen is the soul of the home, thoughtfully appointed with 42" cabinetry, elegant quartz countertops, a built-in pantry, and a jaw-dropping kitchen island. Upstairs, the primary suite is a serene sanctuary, featuring a spacious walk-in closet and a luxurious en-suite bathroom. Two additional bedrooms, a full bath, and a convenient second-floor laundry room complete the floor. Located on the lower level, the study offers endless possibilities and can be customized to suit your unique needs -limited only by your imagination. *Photos are not this actual home* Waterside at Three Oaks is a community of new townhomes for sale in Crystal Lake, offering easy access to recreation and commercial areas. Situated in the well-regarded Community High School District 155, Crystal Lake residents enjoy excellent education opportunities, a bustling downtown district for everyday needs and great parks. The community is also just 5 minutes from Downtown Crystal Lake, providing quick access to shopping, dining and local events. Close by are Illinois Route 176 and the Metra line to simplify commutes.

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

5/10
7/10

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding,Brick

Other

  • Builder model: Chatham 02E
  • Builder name: Lennar

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse,Single Family Residence

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Disposal,Stainless Steel Appliance(s)
  • Laundry features: Gas Dryer Hookup,In Unit

Basement

  • Basement: None

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 100
  • Dimensions: 10X10

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 100
  • Dimensions: 10X10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 132
  • Dimensions: 12X11

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,039 sqft

Kitchen

  • Features: Kitchen (Island,Pantry-Closet),Flooring (Vinyl)
  • Level: Main
  • Area: 182
  • Dimensions: 13X14

Laundry

  • Features: Flooring (Vinyl)
  • Level: Second
  • Area: 40
  • Dimensions: 8X5

Living Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 252
  • Dimensions: 21X12

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full,Double Sink)
  • Level: Second
  • Area: 168
  • Dimensions: 12X14

Study

  • Features: Flooring (Carpet)
  • Level: Lower
  • Area: 180
  • Dimensions: 15X12

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0000000000
  • Special condition: Home Warranty

Lot

  • Features: Common Grounds

Parking

  • Total spaces: 2
  • Parking features: Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: 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

  • Cold Wave
    Cold WaveVery High
  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
Other
Severe Storm
Straight Line Winds
Tornado

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

MonthlyAnnual
Mortgage $2,174$26,088
Home Insurance *$200$2,400
Property Taxes $809$9,708
Electricity $156$1,881
Total$3,339$40,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,480/yr
40% on housing$100,170/yr
45% on housing$89,040/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

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.

Insurance Growth Rate5-year average: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$211This listing

vs Other Active Listings

Avg $/sqft

ZIP 60014$201
McHenry County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 60014$195
McHenry County$187

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)

Price History

DateEventPrice
2026-05-13Price change$447,990
2026-03-01Listed for sale$457,990
2026-02-13Listing removed$457,990
2026-01-03Price change$457,990
2025-10-20Listed for sale$454,990

New Construction Spec

AgentBill Flemming
BrokerageHomeSmart Connect LLC

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