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3315 Riverdale Rd, McHenry, IL, 60051

3beds
3baths
1,796sqft
$414,900
$231price/sqft
$3,226/moest. monthly cost
$129,040/yrincome needed

About This Home

Life is Better on the Fox River! Welcome to this beautifully maintained two-story waterfront home where every day feels like a getaway. Offering 3 bedrooms, 3 full bathrooms, a detached 2-car garage, and breathtaking Fox River views, this property is perfect for those who love boating, entertaining, and enjoying nature year-round. Picture yourself sipping your morning coffee or hosting family and friends on the expansive wood deck overlooking the spacious backyard and picturesque Fox River. Spend your days fishing from your custom-built permanent pier, launching your boat from your private dock, or cruising the Chain O'Lakes to waterfront favorites including Port Edward, The Broken Oar, and Port Barrington. End each evening with unforgettable sunsets from your own backyard. Inside, you'll find a warm and inviting floor plan featuring a main-level primary suite and laundry, an updated kitchen with stainless steel appliances, hardwood flooring, spacious living and dining areas, skylights, a cozy fireplace, and a whole-house fan. Recent updates include an HVAC system and washer and dryer (2024), plus an iron filtration system (2022). A storage shed provides the perfect place for boating equipment, fishing gear, and outdoor essentials. The current owners have made an extraordinary investment in the home's long-term integrity with a professionally rebuilt foundation featuring a cement crawl space and elevated engineered support system, representing approximately $100,000 in structural improvements for added peace of mind. Included in the sale is a separate .15-acre parcel across the street with its own PIN, offering additional flexibility for storage or future use, subject to applicable regulations. Whether you're searching for a full-time residence or a weekend escape, this is more than a home-it's a lifestyle. From boating and fishing to sunset dinners on the deck and the beauty of every changing season, This perfect home offers the waterfront lifestyle you've been waiting for. See it today!

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

7/10
6/10
Mchenry Middle SchoolGrades 6-84.9 mi

Construction

Condition

  • Year built: 1945

Materials

  • Foundation: Concrete Perimeter,Pillar/Post/Pier
  • Construction materials: Aluminum Siding

Notable Dates

  • Major remodel year: 2004

Other

  • Builder model: Custom

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator,Washer,Dryer
  • Laundry features: Main Level,In Unit

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Features: Flooring (Hardwood)
  • Level: Second
  • Area: 132
  • Dimensions: 12X11

Bedroom3

  • Features: Flooring (Hardwood)
  • Level: Second
  • Area: 121
  • Dimensions: 11X11

Bedrooms & Bathrooms

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

Bonus Room

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

Dining Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 143
  • Dimensions: 13X11

Features

  • 1st Floor Bedroom,1st Floor Full Bath,Built-in Features,Walk-In Closet(s),Bookcases
  • Window features: Skylight(s),Window Treatments
  • Flooring: Hardwood,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Attached Fireplace Doors/Screen,Living Room
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,796 sqft

Kitchen

  • Features: Kitchen (Eating Area-Breakfast Bar,Granite Counters,Updated Kitchen),Flooring (Hardwood)
  • Level: Main
  • Area: 130
  • Dimensions: 13X10

Laundry

  • Features: Flooring (Ceramic Tile)
  • Level: Main
  • Area: 90
  • Dimensions: 10X9

Living Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 240
  • Dimensions: 16X15

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full)
  • Level: Main
  • Area: 180
  • Dimensions: 18X10

Other

  • Level: Main
  • Area: 35
  • Dimensions: 7X5

Other

  • Features: Flooring (Vinyl)
  • Level: Second
  • Area: 49
  • Dimensions: 7X7

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 1519251008
  • Special condition: None
  • Other equipment: Fan-Attic Exhaust,Fan-Whole House,Sump Pump

Features

  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: Boat Slip,Outdoor Grill
  • Has view: Yes
  • View description: Water,Back of Property
  • Has water view: Yes
  • Water view: Water,Back of Property
  • On waterfront: Yes
  • Waterfront features: River Front,Waterfront
  • Waterbody name: FOX RIVER

Lot

  • Lot size: 10,454 sqft
  • Features: Water Rights
  • Lot size dimensions: 51x203x52x195

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
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Tornado
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 $2,097$25,164
Home Insurance *$210$2,520
Property Taxes $781$9,372
Electricity $138$1,657
Total$3,226$38,712
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,605/yr
40% on housing$96,780/yr
45% on housing$86,026/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

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 60051$201
McHenry County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 60051$188
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
2000-12-01Sold$212,500
1996-10-28Sold$159,000
1994-08-22Sold$140,000

For Sale by Agent

AgentDena Fischer, SRES
BrokerageWeichert, Realtors - Homes by Presto

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