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9020 Shady Ln, Wonder Lake, IL, 60097

3beds
1baths
1,344sqft
$275,900
$205price/sqft
$2,179/moest. monthly cost
$87,160/yrincome needed

About This Home

Affordable opportunities like this don't come along often! Nestled on a beautifully wooded 1/3-acre lot, this warm and inviting ranch home offers comfort, character, and room to enjoy both inside and out. Step inside to a spacious family room highlighted by a stunning stone fireplace, creating the perfect gathering space for relaxing evenings or entertaining friends and family. The sun-filled living room features hardwood flooring, crown molding, and a large picture window that fills the home with natural light. This versatile space serves as a formal dining currently. The updated kitchen offers ample cabinet space, a pantry closet, and a bright eating area with ceramic tile flooring. Tastefully decorated throughout, the home has been lovingly maintained and features neutral decor, six-panel doors, ceiling fans, and an updated bathroom vanity and toilet. Outside, you'll appreciate the oversized insulated and drywalled garage with workbench, gas hook-up for a future heater, and plenty of room for hobbies or storage. The large asphalt driveway with stone side apron provides extra parking for recreational vehicles, a boat, or additional cars. Relax on the covered front porch or enjoy the privacy of the mature wooded setting. Low annual association dues provides access to a private lakefront park featuring a beach, playground, basketball and volleyball courts, pavilion, and boat launch. If you've been searching for an affordable home with charm, space, and a great outdoor lifestyle, this may be the one you've been waiting for.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

5/10
10/10
8/10
Northwood Middle SchoolGrades 6-84.3 mi

Construction

Condition

  • Year built: 1960

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Aluminum Siding

Notable Dates

  • Major remodel year: 2024

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Refrigerator,Washer,Dryer,Range Hood
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Features: Window Treatments (Curtains/Drapes)
  • Level: Main
  • Area: 121
  • Dimensions: 11X11

Bedroom3

  • Features: Window Treatments (Curtains/Drapes)
  • Level: Main
  • Area: 99
  • Dimensions: 11X9

Bedrooms & Bathrooms

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

Eating Area

  • Features: Flooring (Ceramic Tile),Window Treatments (All)
  • Level: Main
  • Area: 84
  • Dimensions: 12X7

Family Room

  • Features: Flooring (Carpet),Window Treatments (All)
  • Level: Main
  • Area: 323
  • Dimensions: 19X17

Features

  • 1st Floor Bedroom,1st Floor Full Bath,Built-in Features
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Attached Fireplace Doors/Screen,Heatilator,Family Room
  • Fireplace: Yes
  • Attic: Unfinished

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,344 sqft

Kitchen

  • Features: Kitchen (Pantry-Closet),Flooring (Ceramic Tile),Window Treatments (All)
  • Level: Main
  • Area: 110
  • Dimensions: 11X10

Laundry

  • Features: Flooring (Ceramic Tile),Window Treatments (All)
  • Level: Main
  • Area: 30
  • Dimensions: 6X5

Living Room

  • Features: Flooring (Hardwood),Window Treatments (All)
  • Level: Main
  • Area: 180
  • Dimensions: 15X12

Master Bedroom

  • Features: Window Treatments (Blinds)
  • Level: Main
  • Area: 180
  • Dimensions: 15X12

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0813305007
  • Special condition: None
  • Other equipment: Ceiling Fan(s)

Features

  • Stories: 1
  • Patio & porch: Patio
  • Fencing: Fenced
  • Waterfront features: Lake Privileges

Lot

  • Lot size: 0.33 Acres
  • Features: Water Rights,Mature Trees
  • Lot size dimensions: 113 X 125

Parking

  • Total spaces: 2
  • Parking features: Asphalt,Garage Door Opener,Yes,Garage Owned,Detached,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 WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
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 $1,395$16,740
Home Insurance *$135$1,620
Property Taxes $519$6,228
Electricity $130$1,569
Total$2,179$26,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,708/yr
40% on housing$65,370/yr
45% on housing$58,106/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

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 60097$189
McHenry County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 60097$189
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
2026-07-21Listed for sale$275,900
2026-07-18Contingent$275,900
2026-07-11Listed for sale$275,900
2026-07-03Contingent$275,900
2026-06-10Listed for sale$275,900
2025-03-14Sold$248,000
2025-02-24Contingent$244,900
2025-02-02Price change$244,900
2025-01-10Price change$255,000
2024-12-10Listed for sale$270,000
2024-11-13Listing removed$270,000
2024-11-07Price change$270,000
2024-10-16Listed for sale$275,000
2017-12-08Sold$142,000
2017-10-09Pending sale$144,900
2017-06-25Price change$144,900
2017-01-28Listed for sale$149,900
2011-10-17Sold$78,500
2011-06-18Listed for sale$85,900
2011-04-19Listing removed$80,800
2011-04-15Listed for sale$80,800
2011-03-07Listing removed$80,800
2011-02-26Listed for sale$80,800
2010-08-10Sold$160,990
2007-02-27Sold$164,000
2005-02-02Sold$160,000
1997-02-28Sold$116,500

For Sale by Agent

AgentPaul Ambrogio, GRI
BrokerageBerkshire Hathaway HomeServices Starck Real Estate

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