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Active - House for sale

Ottawa, IL

3 bds|3 bth|3,095 sqft

Facts & features

House Property type
2024 Year built
$210 Price/Sqft.
2 car garage Parking
$205/mo HOA

Why you’ll love it

Ranch Living at Its Finest in Heritage Harbor! Come take a tour of this beautifully designed 4-bedroom, 3-bath ranch offering the perfect blend of comfort, style, and easy living! The open and inviting interior features a gas fireplace, luxury vinyl plank (LVP) flooring throughout with NO carpet, semi-custom cabinetry, and quartz countertops. Enjoy the convenience of first-floor laundry and a thoughtfully designed mudroom complete with a built-in bench and hooks to keep everything organized. The primary suite is designed for comfort, featuring a private bath with dual sinks, a walk-in tiled shower, and a separate water closet. Need extra flexibility? The den offers the perfect opportunity for a home office, hobby room, or even a potential fifth bedroom. The finished basement takes your living space to the next level! Gather in the spacious recreation room and create the ultimate entertainment area, whether you envision a home theater, workout room, game room, or cozy family retreat. Wine enthusiasts will love having a dedicated wine room, perfect for showcasing your collection and sharing favorite vintages with family and friends. Plenty of additional storage ensures there is room for everything. Step outside and unwind on the welcoming front porch overlooking peaceful green space-the perfect spot for your morning coffee or evening relaxation. Located in the sought-after marina resort community of Heritage Harbor, this home offers more than just a place to live; it offers a lifestyle! Enjoy community walking trails, an on-site restaurant, pickleball, community pools, a dog park, and so much more. Whether you're looking for the perfect vacation getaway or ready to make resort living your everyday lifestyle, this home is ready to welcome you. Why wait for vacation when you can live it every day?

Translating description...

Listings courtesy of Homesmart Realty Group IL as distributed by MLS GRID.

Listed by: Tammy Barry • Homesmart Realty Group IL

Co-listed by: Homesmart Realty Group IL

Source: MRED as distributed by MLS GRID, MLS#: 12788032 MRED as distributed by MLS GRID logo

Based on info available as of Nov 13, 2026 at 10:33 AM EST.

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Affordability

$420,000$875,000
1%20%
0%90%
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Estimated monthly payment

$4,926/mo

  • Mortgage$3,282
  • Property tax$1,439
  • HOA fee
  • Homeowners insurance
Due at closing$515,955
Down payment held in escrow$129,800
Closing costs$9,735
beycome credit Est.$12,980

Beycome estimates only. Actual amounts and terms vary by lender and location.

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$12,980 Credit back

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Travel times

About Heritage Harbor

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This local overview has been generated by Artur AI, for informational purposes only. Please verify all details independently before relying on it.

Flood & climate risk

FEMA Flood Zone X

Outside the high-risk Special Flood Hazard Area — flood insurance is usually optional but still worth considering.

More details

Source: FEMA National Flood Hazard Layer. Confirm on the FEMA Flood Map.

Disclaimer

Midwest Real Estate Data (MRED) All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of the Multiple Listing Service. Real estate listings held by brokerage firms other than Midwest Real Estate Data may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. Copyright ©2026 All rights reserved. Based on information submitted to the MLS GRID as of Nov 13, 2026 at 10:33am EST. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

$649,000 Listed price

Make a winning offer, and get up to

$12,980 Credit back

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