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511 N Woodland Dr, Dixon, IL, 61021

4beds
3baths
2,500sqft
$439,000
$176price/sqft
$3,419/moest. monthly cost
$136,760/yrincome needed

About This Home

Stunning lake views on this waterfront home, you are welcomed by the tremendous curb appeal with perennial filled yard accented by beautiful trees, gardens and waterfall/pond. As you enter the home you will marvel at the spacious sunroom foyer with beautiful natural light and space. Then that lakeview-wow, one of a kind! Nothing short of spectacular with 133ft of estimated of lake frontage. The large living room boasts massive windows, vaulted ceiling, peek of loft area and fireplace. The kitchen fits this home perfectly with an abundance of cabinets, counter space and pantry with large dining area and of course lake views. Main floor family/dining room will host the largest of gatherings. Main floor owners bedroom with walk in closet and its own bath with door to patio, and lake views. Wake up to the best mother nature has to offer. 2 bedrooms up are good sized offer a little extra privacy for your lake guests, with an additional bath, and loft area. 2nd main floor bedroom or office, additional bath, main floor laundry, finished lower level with huge family room, bedroom and storage room. New heat pump installed Dec 2025. The lake views from this home are nothing short of spectacular with massive windows and no homes can be seen across the lake. 2 car plus attached garage. This setting is filled with beautiful trees, perennials and a waterfall stream to add to you outside living enjoyment and offers a perfect setting to entertain. Lost lake is a rural subdivision on an 88 acre stocked lake, featuring beaches, ball diamond and parks. Centrally located between Oregon, Dixon and Rochelle. Easy access off I88 and I39, easy drive to burbs and 2 hours from downtown Chicago.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

--
6/10
Reagan Middle SchoolGrades 6-88.2 mi
2/10
Dixon High SchoolGrades 9-128.2 mi

Construction

Materials

  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom2

  • Level: Second
  • Area: 156
  • Dimensions: 12X13

Bedroom3

  • Level: Second
  • Area: 156
  • Dimensions: 12X13

Bedroom4

  • Level: Main
  • Area: 120
  • Dimensions: 12X10

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Bonus Room

  • Level: Basement
  • Area: 252
  • Dimensions: 18X14

Dining Room

  • Level: Main
  • Area: 100
  • Dimensions: 10X10

Family Room

  • Level: Main
  • Area: 391
  • Dimensions: 23X17

Features

  • Vaulted Ceiling(s)
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,500 sqft

Kitchen

  • Features: Kitchen (Pantry-Closet,Pantry-Walk-in,SolidSurfaceCounter)
  • Level: Main
  • Area: 120
  • Dimensions: 12X10

Laundry

  • Level: Main
  • Area: 70
  • Dimensions: 10X7

Living Room

  • Level: Main
  • Area: 440
  • Dimensions: 20X22

Loft

  • Level: Second
  • Area: 90
  • Dimensions: 10X9

Master Bedroom

  • Features: Bathroom (Full)
  • Level: Main
  • Area: 195
  • Dimensions: 15X13

Other

  • Level: Basement
  • Area: 594
  • Dimensions: 27X22

Storage

  • Level: Basement
  • Area: 65
  • Dimensions: 13X5

Sun Room

  • Level: Main
  • Area: 210
  • Dimensions: 21X10

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 22091070230000
  • Special condition: None

Features

  • Stories: 1
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Back of Property
  • Has water view: Yes
  • Water view: Back of Property
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront

Lot

  • Lot size: 0.64 Acres
  • Features: Mature Trees
  • Lot size dimensions: 100x258x133x135

Parking

  • Total spaces: 2
  • Parking features: Yes,Garage Owned,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Drought

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 $2,219$26,628
Home Insurance *$346$4,152
Property Taxes $662$7,944
Electricity $192$2,307
Total$3,419$41,028
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$117,222/yr
40% on housing$102,570/yr
45% on housing$91,173/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: 15.1%
15.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 61021$119
Ogle County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 61021$116
Ogle County$131

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
2026-07-01Listed for sale$439,000

For Sale by Agent

AgentVicky Turner
BrokerageCrawford Realty, LLC

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