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92 Bay Road, Fox Lake, IL 60020.
| 3 BED / 2 BATH RANCH | CORNER LOT | FENCED YARD | BLOCKS TO BOAT LAUNCH | Pistakee Lake is just a few blocks from this 3-bed/2-bath ranch, where a neighborhood boat launch puts the entire Fox Chain O'Lakes within easy reach. Downtown Fox Lake, the Metra, & Route 12 are close by too, 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 throughout the main living space. The living room stretches more than 20 feet & opens to the dining area & kitchen, so conversation carries easily from the stove to the sofa. Sage-green cabinets & a glass mosaic backsplash frame a double sink beneath the kitchen window, with a gas range just across the aisle. Sliding doors off the dining area lead straight out 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 sits between the kitchen & the attached garage, giving groceries & muddy boots a natural landing spot. The fully fenced backyard (new fence in 2023) has room for a garden & summer cookouts. The oversized 2-car garage runs nearly 29 feet deep & includes a workshop bump-out, while the T-shaped driveway leaves space 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: 12789677
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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 | $299,999 | $299,999 | $299,999 |
| Down Payment | $60,000 | $10,500 | $75,000 |
| Monthly Mortgage Amount | $1,577 | $1,935 | $1,945 |
| Taxes | $417 | $417 | $417 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $132 | $0 |
| Monthly Estimated Total | $2,094 | $2,584 | $2,462 |
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