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92 Bay Road, Fox Lake, IL 60020.
| 3 BED / 2 BATH RANCH | NOT IN FLOOD PLAIN PER FEMA | CORNER LOT | FENCED YARD | BLOCKS TO BOAT LAUNCH | Close to the water & not in a flood plain (per FEMA!), this 3-bed/2-bath ranch sits a few blocks from Pistakee Lake, where a neighborhood boat launch opens up the entire Fox Chain O'Lakes. Downtown Fox Lake, the Metra, & Route 12 are nearby, so weekday commutes & weekend cruises start from the same corner lot. Out front, a wide covered porch faces east & catches the morning sun. Inside, vaulted ceilings & skylights pour daylight across wood laminate floors in the main living space. The 20-plus-foot living room opens to the dining area & kitchen, so conversation carries easily from stove to sofa. Sage-green cabinets & a glass mosaic backsplash frame a double sink beneath the kitchen window, with a gas range across the aisle. Sliding doors off the dining area lead to the backyard. The primary bedroom has its own full bath, & two more bedrooms share a second full bath down the hall. A laundry room between the kitchen & attached garage gives groceries & muddy boots a natural landing spot. The fully fenced backyard (new in 2023) has room for a garden & cookouts. The oversized 2-car garage runs nearly 29 feet deep & includes a workshop bump-out, while the T-shaped driveway leaves room to park a boat alongside guests' cars. With a new A/C & water heater (2025) & a roof replaced in 2019, the next owner can spend more time on the water.
MLS ID: 12802312
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92 Bay Road, Fox Lake, IL 60020.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $309,990 | $309,990 | $309,990 |
| Down Payment | $61,998 | $10,850 | $77,498 |
| Monthly Mortgage Amount | $1,608 | $2,000 | $1,993 |
| Taxes | $431 | $431 | $431 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $136 | $0 |
| Monthly Estimated Total | $2,139 | $2,667 | $2,524 |
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