$425,000
SOLD OCT 10, 2025
3 Beds
2.5 Baths
1,999 Sq Ft
1973 Built

Recently Sold

$213 Per Sq Ft

1% Below List Price

26 Days on Market

Highlights

  • Waterfront
  • Den
  • Living Room
  • Durand Elementary School Rated A-
  • Cooling Available
  • Laundry Room

About This Home

As of October 2025

Stunning LAKEFRONT Home with All-New Waterfront in 2025! Enjoy the best of lakefront living with this beautifully updated home in Lake Summerset, featuring a brand-new waterfront complete with a charming gazebo (2025). Inside and out, this property has been lovingly improved-from fresh interior and exterior paint to stylish new lighting throughout. The spacious main floor offers a unique layout full of character and charm. A cozy den with floor-to-ceiling windows captures breathtaking lake views and features a brick fireplace-perfect for chilly fall evenings. The den flows seamlessly into the kitchen, dining area, and an additional living room, with a convenient half bath nearby. The kitchen is generously sized with plenty of storage and connects well to both living areas and the dining space. Upstairs, you'll find three bedrooms and a completely remodeled full bath with modern finishes. The lower level is fully finished and includes another full bath-ideal for guests or additional living space. Step outside to beautifully graded landscaping with established perennials. The covered porch, with a newly installed roof panel to divert rain, offers a serene spot to enjoy lake views or add a future hot tub. Don't miss your chance to own a rare lakefront gem in Lake Summerset-where every day feels like a vacation! Located in the gated Lake Summerset community-known for its 285-acre stocked lake-residents enjoy two beaches, two marinas, a heated pool, splash pad, tennis, pickleball, disc golf, a dog park, playgrounds, and year-round events. Just 30minutes from Rockford, Freeport, and Monroe WI, and 90 minutes from Chicago via I-90.

Last Agent to Sell the Property

Christine Wilke

Best Realty License #475191424 Listed on: 08/07/2025

Last Buyer's Agent

Inactive Inactive

Baird & Warner Fox Valley - Geneva

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $6,343

Year Built

  • Built in 1973

Lot Details

  • Lot Dimensions are 94.78 x 279.44 x 59.9 x 259.95
  • Waterfront

HOA Fees

  • $92 Monthly HOA Fees

Parking

  • 1 Car Garage

Interior Spaces

  • 1,999 Sq Ft Home
  • 2-Story Property
  • Family Room with Fireplace
  • Living Room
  • Dining Room
  • Den
  • Laundry Room

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 3 Potential Bedrooms

Basement

  • Basement Fills Entire Space Under The House
  • Finished Basement Bathroom

Utilities

  • Cooling Available
  • Baseboard Heating
  • Individual Controls for Heating

Community Details

  • Association fees include security, clubhouse, pool, lake rights
  • Christine Wilke Association, Phone Number (815) 248-3408
  • Property managed by Best Realty LLC

Home Details

Home Type

Single Family

Est. Annual Taxes

$6,343

Year Built

Built in 1973

Lot Details

0

HOA Fees

$92 per month

Parking

1

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
  • Year Built: 1973
  • Age: 51-60 Years
  • Built Before 1978 (Y/N): Yes
  • Disability Access and/or Equipped: No
  • General Information: School Bus Service
  • Rebuilt (Y/N): No
  • Rehab (Y/N): No
  • Actual Status: Closed
  • SomePhotosVirtuallyStaged: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Basement: Finished, Full, Walk-Out Access
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bathrooms: 3
  • Total Bedrooms: 3
  • Fireplaces: 1
  • LivingArea: 1999
  • Room Type: Den
  • Estimated Total Finished Sq Ft: 0
  • Basement Bathrooms: Yes
  • Below Grade Bedrooms: 0
  • Fireplace Location: Family Room
  • Total Sq Ft: 0

Exterior Features

  • Construction Materials: Cedar
  • Waterfront: Yes

Garage/Parking

  • Garage Spaces: 1
  • Parking Features: On Site, Attached, Garage
  • ParkingTotal: 1

Utilities

  • Cooling: Wall Unit(s), Electric
  • Heating: Baseboard, Indv Controls

Condo/Co-op/Association

  • Association Fee: 1099
  • Association Fee Frequency: Annually
  • Master Association Fee: No
  • Master Association Fee Frequency: Not Required
  • Management Company: Best Realty LLC
  • Management Contact Name: Christine Wilke
  • Management Phone: 815-248-3408

Fee Information

  • Association Fee Includes: Security, Clubhouse, Pool, Lake Rights

Lot Info

  • Lot Dimensions: 94.78 X 279.44 X 59.9 X 259.95
  • Lot Size: .25-.49 Acre
  • Special Assessments: N

Rental Info

  • Board Number: 5

Tax Info

  • Tax Annual Amount: 6343
  • Tax Year: 2023

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Aug 7, 2025
Closed on
Oct 10, 2025
Sold by
Sharon K Schwarzbauer Declaration Of Tru and Schwarzbauer Sharon K
Bought by
Hamby Living Trust and Hamby
Seller's Agent
Christine Wilke
Best Realty
Buyer's Agent
Inactive Inactive
Baird & Warner Fox Valley - Geneva
List Price
$430,000
Sold Price
$425,000
Premium/Discount to List
-$5,000
-1.16%
Views
768

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-5.18%
Original Mortgage
$340,000
Outstanding Balance
$340,000
Interest Rate
6.25%
Mortgage Type
New Conventional
Estimated Equity
$79,611

Purchase Details

Listed on
Jun 2, 2022
Closed on
Aug 22, 2022
Sold by
Giles Jeffrey P and Giles Marissa L
Bought by
Sharon K Schwarzbauer Declaration Of Trust
Seller's Agent
Carol Lynn Seifert
Century 21 Circle
Buyer's Agent
Don Morgan
Morgan Realty, Inc.
List Price
$339,000
Sold Price
$285,000
Premium/Discount to List
-$54,000
-15.93%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
13.66%

Purchase Details

Listed on
Jun 24, 2017
Closed on
Jun 7, 2018
Sold by
Marilyn Bushnell
Bought by
Giles Jeffrey P and Giles Marissa L
Seller's Agent
Karen Pioch
Real People Realty
Buyer's Agent
Non Member
NON MEMBER
List Price
$189,900
Sold Price
$175,000
Premium/Discount to List
-$14,900
-7.85%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
12.22%
Original Mortgage
$157,500
Interest Rate
4.13%
Mortgage Type
New Conventional
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
Not Available
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 $425,000 Security First Title
Deed $285,000 Security First Title
Grant Deed $175,000 Security First Title
Warranty Deed $175,000 Security First Title
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $340,000 New Conventional
Previous Owner $157,500 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
10/10/2025 10/10/25 Sold $425,000 -1.2% $213 / Sq Ft
09/02/2025 09/02/25 Pending -- -- --
08/23/2025 08/23/25 For Sale $430,000 0.0% $215 / Sq Ft
08/17/2025 08/17/25 Pending -- -- --
08/07/2025 08/07/25 For Sale $430,000 +50.9% $215 / Sq Ft
08/29/2022 08/29/22 Sold $285,000 -12.3% $154 / Sq Ft View Prior Sale
07/26/2022 07/26/22 Pending -- -- --
06/21/2022 06/21/22 Price Changed $324,900 -4.2% $176 / Sq Ft
06/02/2022 06/02/22 For Sale $339,000 +93.7% $183 / Sq Ft
06/07/2018 06/07/18 Sold $175,000 0.0% $95 / Sq Ft View Prior Sale
04/09/2018 04/09/18 Pending -- -- --
02/23/2018 02/23/18 Price Changed $175,000 -5.4% $95 / Sq Ft
10/24/2017 10/24/17 Price Changed $185,000 -2.6% $100 / Sq Ft
06/24/2017 06/24/17 For Sale $189,900 -- $103 / 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 $6,966 $92,961 $28,087 $64,874
2023 $6,343 $79,658 $24,068 $55,590
2022 $5,738 $70,368 $21,476 $48,892
2021 $5,955 $64,795 $19,775 $45,020
2020 $5,937 $62,345 $19,027 $43,318
2019 $5,860 $60,765 $18,545 $42,220
2018 $5,900 $67,271 $17,803 $49,468
2017 $5,753 $65,952 $17,454 $48,498
2016 $6,119 $65,952 $17,454 $48,498
2015 $6,125 $65,952 $17,454 $48,498
2014 $6,119 $65,952 $17,454 $48,498
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Midwest Real Estate Data (MRED)

MLS Number: 12441976

Midwest Real Estate Data (MRED)

APN: 05-06-351-012