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3960 Georgetown Cir, Algonquin, IL, 60102

5beds
3baths
3,416sqft
$579,000
$169price/sqft
$4,498/moest. monthly cost
$179,920/yrincome needed

About This Home

Rare lakefront opportunity in the desirable Manchester Lakes community! This highly sought-after Sterling model offers breathtaking, panoramic views of the lake, enjoy stunning long water views from your own backyard, with gorgeous sunrises and sunsets reflecting off the water. Wake up to a beautiful lake view every single day! Recent updates include a new roof installed in 2024.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
55
BikeBikeable

Schools

9/10
Conley Elementary SchoolGrades 3-50.4 mi
7/10
Heineman Middle SchoolGrades 6-80.3 mi
8/10
Huntley High SchoolGrades 9-124.8 mi

Construction

Condition

  • Year built: 2002

Materials

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

Notable Dates

  • Major remodel year: 2014

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Refrigerator,Microwave,Oven,Washer,Stainless Steel Appliances

Basement

  • Area: 850

Basement

  • Has basement: Yes
  • Basement: Partial,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Hardwood,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning Stove
  • Fireplace: Yes
  • Finished area above ground: 3,416

Heating & Cooling

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

Interior Area

  • Total structure area: 4,266
  • Total interior livable area: 3,416 sqft

Kitchen

  • Features: Open,Granite Counters

Property

Details

  • Parcel number: 1836103023
  • Lease amount: 0

Features

  • Stories: 2
  • Patio & porch: Patio,Deck
  • Has view: Yes
  • View description: Lake,Pond,River,Water
  • Has water view: Yes
  • Water view: Lake,Pond,River,Water
  • On waterfront: Yes
  • Waterfront features: Pond

Lot

  • Lot size: 8,712 sqft

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

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
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 $2,927$35,124
Home Insurance *$219$2,628
Property Taxes $1,090$13,080
Electricity $262$3,152
Total$4,498$53,976
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$154,217/yr
40% on housing$134,940/yr
45% on housing$119,946/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

$169This listing

vs Other Active Listings

Avg $/sqft

ZIP 60102$199
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
2026-08-01Price change$579,000
2026-07-29Listed for sale$589,000
2026-07-28Listing removed$599,000
2026-07-18Price change$599,000
2026-07-13Price change$619,400
2026-07-06Price change$624,499
2026-06-22Price change$643,499
2026-05-26Listed for sale$648,499
2025-10-16Listing removed$3,500
2025-09-09Listed for rent$3,500
2024-11-25Listing removed$3,800
2024-11-25Price change$3,800
2024-11-18Listed for rent$3,500
2024-11-03Listing removed$649,999
2024-10-19Listed for sale$649,999
2024-10-09Listing removed$4,000
2024-10-02Price change$4,000
2024-09-27Listed for rent$4,500
2021-09-08Sold$426,000
2021-08-04Contingent$435,000
2021-06-10Listed for sale$435,000
2020-11-03Listing removed$2,750
2020-11-01Listing removed$389,000
2020-10-26Listed for rent$2,750
2020-09-28Listed for sale$389,000
2019-09-29Listing removed$2,700
2019-09-12Sold$372,500
2002-07-15Sold$313,130

For Sale by Agent

AgentMitchell Cohen
BrokerageCove Realty Inc.

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