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166 Mohawk Trl, Algonquin, IL, 60102

4beds
2baths
2,101sqft
$499,900
$238price/sqft
$3,818/moest. monthly cost
$152,720/yrincome needed

About This Home

Lovingly maintained by the same owners for the past 33 years, this one of a kind 4 bedroom, 2 bath home offers a rare opportunity to own a property that has been thoughtfully and meticulously cared for, as well as updated over the decades. Situated on nearly an acre in unincorporated Algonquin, just a half mile from the marina and minutes from downtown Algonquin, this property offers a unique blend of privacy, recreation, and convenience. Enjoy access to the water, river rights, a shared boat dock, beachfront access, and your own private spring fed pond complete with a waterfall and aerator, with the Fox River providing direct access to the Chain O'Lakes. Whether you're an avid boater, nature lover, or simply looking for a peaceful retreat, this property offers a lifestyle that's hard to find. Inside, you'll find hardwood flooring, abundant natural light, and a thoughtfully designed floor plan. Two generously sized secondary bedrooms and a full bath are located in the original portion of the home, while an extensive addition created an entirely separate private wing highlighted by a stunning hallway lined with floor to ceiling windows. The addition includes a spacious primary suite with a walk-in closet and remodeled bath, a spacious laundry room, and a versatile sitting room that could easily serve as a fourth bedroom, home office, nursery, or den. The updated kitchen showcases quartz countertops, updated cabinetry, and newer stainless steel appliances, while the spacious living room features vaulted ceilings, recessed lighting, a beautiful fireplace, and gorgeous sunrise views through the oversized picture window overlooking the pond. Pride of ownership is evident throughout. Major improvements include a complete tear off roof and gutters, newer Lennox furnaces, Trane A/C units, updated windows, newer well pressure tank, washer, retaining wall, and much more. The heated 2.5 car garage was also part of the addition and offers exceptional storage, along with a massive pull down attic space above with incredible potential for future finished living space. Outside, you'll find mature landscaping, underground drainage, pond fed sprinkler capabilities, and a huge shed with second story storage space. Wake up each morning feeling like you're on vacation all year long. Spend your days boating on the Fox River and Chain O'Lakes, your evenings gathered around the fire pit with family and friends, and your quiet moments enjoying coffee overlooking the water as turtles, ducks, and bullfrogs bring the pond to life and deer wander through the yard. Surrounded by mature trees, peaceful water features, and lush landscaping, the backyard feels like something out of a storybook. Located in an unincorporated area allowing boats, RVs, golf carts, and 4 wheelers, you'll enjoy the freedom to live the way you want while still being close to parks, Metra, restaurants, shopping, and everything the Fox River area has to offer. Properties like this rarely come to market, and after 33 years of ownership, it's easy to understand why.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

9/10
6/10
Algonquin Middle SchoolGrades 6-81.3 mi
6/10
Dundee-Crown High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1958

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2003

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Disposal,Water Softener Owned,Gas Water Heater
  • Laundry features: Main Level,Sink

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Features: Flooring (Hardwood),Window Treatments (Blinds)
  • Level: Main
  • Area: 154
  • Dimensions: 14X11

Bedroom3

  • Features: Flooring (Hardwood),Window Treatments (Blinds)
  • Level: Main
  • Area: 132
  • Dimensions: 12X11

Bedroom4

  • Features: Flooring (Carpet),Window Treatments (Blinds)
  • Level: Main
  • Area: 117
  • Dimensions: 13X9

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Granite Counters
  • Door features: Sliding Glass Door(s)
  • Window features: Blinds,Display Window(s),Window Treatments
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Attic: Pull Down Stair

Heating & Cooling

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

Interior Area

  • Total structure area: 2,101
  • Total interior livable area: 2,101 sqft

Kitchen

  • Features: Kitchen (Eating Area-Table Space),Flooring (Tile)
  • Level: Main
  • Area: 195
  • Dimensions: 15X13

Laundry

  • Features: Flooring (Tile)
  • Level: Main
  • Area: 117
  • Dimensions: 13X9

Living Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 280
  • Dimensions: 20X14

Master Bedroom

  • Features: Flooring (Carpet),Window Treatments (Blinds),Bathroom (Full)
  • Level: Main
  • Area: 272
  • Dimensions: 16X17

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 1926155001
  • Special condition: None
  • Other equipment: Water-Softener Owned,Ceiling Fan(s),Sump Pump,Backup Sump Pump;

Features

  • Stories: 1
  • Patio & porch: Patio,Porch
  • Exterior features: Fire Pit,Dock
  • Has view: Yes
  • View description: Side(s) of Property
  • Has water view: Yes
  • Water view: Side(s) of Property
  • On waterfront: Yes
  • Waterfront features: Beach Access,Pond,Lake Privileges,Spring
  • Waterbody name: PRIVATE POND

Lot

  • Lot size: 0.80 Acres
  • Features: Water Rights,Garden,Views,Water Garden

Parking

  • Total spaces: 2.5
  • Parking features: Asphalt,Garage Door Opener,Heated Garage,Garage,Yes,Garage Owned,Attached
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5
  • 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 FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
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 $2,527$30,324
Home Insurance *$189$2,268
Property Taxes $941$11,292
Electricity $161$1,939
Total$3,818$45,816
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,902/yr
40% on housing$114,540/yr
45% on housing$101,813/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

$238This listing

vs Other Active Listings

Avg $/sqft

ZIP 60102$197
McHenry County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 60102$192
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
2026-07-06Listed for sale$499,900
2026-07-02Contingent$499,900
2026-06-20Listed for sale$499,900

For Sale by Agent

AgentAmy Ruminski
BrokerageBaird & Warner

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