$265,000
SOLD AUG 16, 2025

168 Fossil Cove Ln Wilmington, IL 60481

3 Beds
2 Baths
1,350 Sq Ft
1995 Built

Recently Sold

$196 Per Sq Ft

2% Above List Price

0 Day on Market

Highlights

  • Lake Front
  • Gated Community
  • Clubhouse
  • Boat Slip
  • Community Lake
  • Deck

About This Home

As of August 2025

This adorable 3 bed, 2 bath waterfront home is full of charm and ready for lake life lovers! Enjoy peaceful mornings and cozy evenings on the beautiful maintenance-free Trex decking (16k) with retractable awning & screened-in side porch. Inside, the inviting family room overlooks the water and features a wood-burning fireplace - perfect for those chilly, cozy nights. Upstairs, there are 2 spacious bedroom including the 15' x 15' primary bedroom with an adorable private balcony, ideal for sipping your morning coffee while watching the sunrise or curling up with a good book. Recent updates include 2025 - Furnace (2025), A/C (2019), Roof (2019), HWH (2019) . Whether you're entertaining guests or simply soaking in the view, this home is perfect for enjoying time with family and friends all year long. Lake life at its best is waiting for you! Enjoy incredible fishing (spring fed stocked lakes), boating, swimming, kayaking, canoeing, hiking in this gated community w/club house, pool, beach, volleyball, basketball, miles of nature trails & much more. Make this perfect escape your weekend retreat or year-round residence! Less than an hour from Chicago & just minutes off I-55. Call for your showing today & WELCOME HOME!! This is a gated community you will need to make arrangements prior to showing.

Last Agent to Sell the Property

Kimberly Engelhardt

Lori Bonarek Realty License #475156135 Listed on: 07/29/2025

Last Buyer's Agent

Tonida Roggetz

Findlay Real Estate Group Inc License #475180466

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,556

Year Built

  • Built in 1995

Lot Details

  • Lot Dimensions are 54x102x55x103
  • Lake Front

HOA Fees

  • $173 Monthly HOA Fees

Interior Spaces

  • 1,350 Sq Ft Home
  • 2-Story Property
  • 1 Fireplace
  • Family Room
  • Living Room
  • Dining Room
  • Water Views
  • Range

Flooring

  • Carpet
  • Vinyl

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 3 Potential Bedrooms
  • 2 Full Bathrooms

Laundry

  • Laundry Room
  • Dryer
  • Washer

Parking

  • 4 Parking Spaces
  • Off-Street Parking
  • Parking Included in Price

Outdoor Features

  • Tideland Water Rights
  • Boat Slip
  • Balcony
  • Deck
  • Patio
  • Shed

Location

  • Property is near a park

Schools

  • Reed-Custer Middle Elementary School
  • Reed-Custer High School

Utilities

  • Central Air
  • Heating System Uses Propane

Community Details

Overview

  • Association fees include water, security, clubhouse, pool, scavenger, snow removal, lake rights
  • Office Staff Association, Phone Number (815) 458-3647
  • Shadow Lakes Subdivision
  • Property managed by Shadow Lakes Association
  • Community Lake

Recreation

  • Community Pool

Additional Features

  • Clubhouse
  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,556

Year Built

Built in 1995

Lot Details

0

HOA Fees

$173 per month

Listing Details

  • Property Type: Residential
  • Property Type: Detached Single
  • Type Detached: 2 Stories
  • Ownership: Fee Simple w/ HO Assn.
  • New Construction: No
  • Property Sub-Type: 2 Stories
  • Subdivision Name: Shadow Lakes
  • Year Built: 1995
  • Age: 26-30 Years
  • Built Before 1978 (Y/N): No
  • Disability Access and/or Equipped: No
  • General Information: School Bus Service
  • Rebuilt (Y/N): No
  • Rehab (Y/N): No
  • New Construction Y/N: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Range, Refrigerator, Washer, Dryer
  • Basement: Crawl Space
  • Full Bathrooms: 2
  • Total Bathrooms: 2
  • Total Bedrooms: 3
  • Fireplaces: 1
  • LivingArea: 1350
  • Room Type: No additional rooms
  • Estimated Total Finished Sq Ft: 0
  • Basement Bathrooms: No
  • Below Grade Bedrooms: 0
  • Total Sq Ft: 0
  • Total Sq Ft: 0
  • Flooring: Carpet

Exterior Features

  • Construction Materials: Vinyl Siding
  • ExteriorFeatures: Balcony, Boat Slip
  • List Price: 260000
  • Lot Features: Water Rights
  • OtherStructures: Shed(s)
  • Patio And Porch Features: Deck, Patio
  • View: Water
  • Waterfront Features: Lake Front
  • Waterfront: Yes

Garage/Parking

  • Parking Features: Gravel, Off Street, On Site, Owned
  • ParkingTotal: 4

Utilities

  • Sewer: Public Sewer
  • Cooling: Central Air
  • Heating: Propane
  • Water Source: Public

Condo/Co-op/Association

  • Association Fee: 2070
  • Association Fee Frequency: Annually
  • Community Features: Clubhouse, Park, Pool, Lake, Water Rights, Gated
  • Master Association Fee: No
  • Master Association Fee Frequency: Not Required
  • Management Company: Shadow Lakes Association
  • Management Contact Name: Office Staff
  • Management Phone: 815-458-3647

Fee Information

  • Association Fee Includes: Water, Security, Clubhouse, Pool, Scavenger, Snow Removal, Lake Rights

Schools

  • Elementary School: Reed-Custer Middle School
  • High School: Reed-Custer High School
  • Middle/Junior School District: 255U

Lot Info

  • Additional Parcels: No
  • Lot Dimensions: 54X102X55X103
  • Lot Size: Less Than .25 Acre
  • Special Assessments: N

Rental Info

  • Board Number: 10
  • Is Parking Included in Price: Yes

Tax Info

  • Tax Annual Amount: 3556.28
  • Tax Year: 2023

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jul 29, 2025
Closed on
Aug 12, 2025
Sold by
Trust Number 18791 and Marquette Bank
Bought by
Ruby Katherine
Seller's Agent
Kimberly Engelhardt
Lori Bonarek Realty
Buyer's Agent
Tonida Roggetz
Findlay Real Estate Group Inc
List Price
$260,000
Sold Price
$265,000
Premium/Discount to List
$5,000
1.92%
Views
5

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-47.87%

Purchase Details

Listed on
May 28, 2013
Closed on
Jun 18, 2014
Sold by
Wagge Joanne M
Bought by
Marquette Bank and Trust #18791
Seller's Agent
Keith Eastman
Keith Eastman Realty, LLC
Buyer's Agent
Keith Eastman
Keith Eastman Realty, LLC
List Price
$144,900
Sold Price
$115,900
Premium/Discount to List
-$29,000
-20.01%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.69%
Original Mortgage
$92,720
Interest Rate
4.2%
Mortgage Type
New Conventional

Purchase Details

Closed on
Aug 7, 1995
Sold by
American National Bk & Tr Co Of Chicago
Bought by
Wagge Robert L and Wagge Joanne M

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$90,000
Interest Rate
7.76%
Source: Public Records

Range of Values:

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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Deed $265,000 Fidelity National Title
Warranty Deed $115,900 Fidelity National Title
Joint Tenancy Deed $28,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $92,720 New Conventional
Previous Owner $90,000 No Value Available
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
08/16/2025 08/16/25 Sold $265,000 +1.9% $196 / Sq Ft
07/29/2025 07/29/25 Pending -- -- --
07/29/2025 07/29/25 Price Changed $260,000 0.0% $193 / Sq Ft
07/29/2025 07/29/25 For Sale $260,000 +124.3% $193 / Sq Ft
06/20/2014 06/20/14 Sold $115,900 -7.2% $86 / Sq Ft View Prior Sale
05/05/2014 05/05/14 Pending -- -- --
02/24/2014 02/24/14 Price Changed $124,900 -7.4% $93 / Sq Ft
07/12/2013 07/12/13 Price Changed $134,900 -3.6% $100 / Sq Ft
06/23/2013 06/23/13 Price Changed $139,900 -3.5% $104 / Sq Ft
05/28/2013 05/28/13 For Sale $144,900 -- $107 / Sq Ft
Source: Midwest Real Estate Data (MRED)

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $3,837 $57,323 $17,192 $40,131
2023 $3,837 $51,342 $15,398 $35,944
2022 $3,214 $46,590 $13,973 $32,617
2021 $3,123 $44,469 $13,337 $31,132
2020 $2,970 $42,131 $12,636 $29,495
2019 $2,815 $45,222 $11,932 $33,290
2018 $3,088 $43,274 $11,418 $31,856
2017 $3,035 $42,425 $11,194 $31,231
2016 $2,966 $41,030 $10,826 $30,204
2015 $1,967 $39,971 $10,547 $29,424
2014 $1,967 $27,376 $10,547 $16,829
2013 $1,967 $29,279 $11,280 $17,999
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Midwest Real Estate Data (MRED)

MLS Number: 12416770

Midwest Real Estate Data (MRED)

APN: 02-24-04-132-015