# 38 N Holly Avenue, Fox Lake, IL 60020

> **TL;DR:** 3bd/5ba single family, $1,025,000 ($217/sqft), built 1988, 4,719 sqft.
> Fireplace, Waterfront, View, Hardwood. Est. $5,582/mo. Listed 18 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $1,025,000 |
| Price/sqft | $217 |
| Bedrooms | 3 |
| Bathrooms | 4 full, 1 half |
| Square Feet | 4,719 |
| Year Built | 1988 |
| Lot Size | 17,903 sqft (0.41 acres) |
| Stories | 2 |
| Garage | 3-car |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 18 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed
- **Views** - Water
- **Large Garage** - 3-car garage
- **Hardwood Floors** - Hardwood flooring listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $5,183 |
| Estimated Insurance | $299 |
| HOA | $100 |
| **Total** | **$5,582** |

## Nearby Schools

- **Elementary:** Lotus School
- **Middle:** Stanton School
- **High:** Grant Community High School

## Key Amenities

- Fireplace
- Waterfront
- View
- Hardwood
- A/C
- 3-car garage

## Property Highlights

- Built in 1988
- 0.41 acre lot
- 2 stories
- 3 parking spaces
- Fireplace
- Waterfront

## Description

### Agent Description
EXTENSIVELY UPDATED & DESIGNED FOR FLEXIBLE LAKE LIVING, this 4,700+ sqft Chain O'Lakes property offers a rare opportunity to own a TRUE LAKE HOME with shared 1/7 ownership of the waterfront HOA lot across the street, & an exceptional collection of amenities. Designed for flexible living, the home features 5 bedrooms, 4.5 baths, including a main level ensuite & a finished basement with 2 bedrooms, full bath, full kitchen, laundry hookup, & private entrance ideal for multigenerational living or extended guests. The expansive main level kitchen is centered around an oversized island with abundant cabinetry, while multiple living areas, a vaulted dining room, heated 3-season room, & lake views create spaces for everyday living & entertaining. The second-floor primary suite offers two cedar walk-in closets, a freestanding soaking tub, separate shower, double vanity, fireplace, & panoramic views of Mineola Bay. Since 2024, the current owners have completed extensive mechanical & capital improvements, including a new second-floor HVAC system, new garage doors, & numerous additional updates. The home is also available with Weber grill, Brunswick pool table & table tennis table, water toys, outdoor fire pit dining set, & additional personal property available separately, allowing buyers to customize the purchase to their needs.

## Location

- **Address:** 38 N Holly Avenue, Fox Lake, IL 60020
- **County:** Lake
- **Neighborhood:** Bonnieview Estates
- **Coordinates:** 42.400061, -88.176049
- **Google Maps:** https://www.google.com/maps?q=42.400061,-88.176049

## Virtual Tour & Media

- **Video Tour:** https://www.zillow.com/view-imx/2c28f66d-75c5-4fd7-b98e-288066b49111?wl=true&setAttribution=mls&initialViewType=pano

## Listing Agent

- **Name:** Jim Starwalt
- **Brokerage:** Better Homes and Gardens Real Estate Star Homes
- **Broker Phone:** (847) 548-2625
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/38-N-Holly-Ave_Fox-Lake_IL_60020_M86077-42246?f=listhub&s=MREDIL&m=12785102&c=propsimple)

## Photos

![38 N Holly Avenue - Photo 1](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f806415371r.jpg)

![38 N Holly Avenue - Photo 2](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f2601718481r.jpg)

![38 N Holly Avenue - Photo 3](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f1767742259r.jpg)

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![38 N Holly Avenue - Photo 5](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f1592984497r.jpg)

![38 N Holly Avenue - Photo 6](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f4167260114r.jpg)

![38 N Holly Avenue - Photo 7](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f1176342296r.jpg)

![38 N Holly Avenue - Photo 8](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3022955646r.jpg)

![38 N Holly Avenue - Photo 9](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f1698292737r.jpg)

![38 N Holly Avenue - Photo 10](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f663223540r.jpg)

![38 N Holly Avenue - Photo 11](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3066542614r.jpg)

![38 N Holly Avenue - Photo 12](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f925075542r.jpg)

![38 N Holly Avenue - Photo 13](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3331101670r.jpg)

![38 N Holly Avenue - Photo 14](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f1401078387r.jpg)

![38 N Holly Avenue - Photo 15](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f2480904211r.jpg)

![38 N Holly Avenue - Photo 16](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3934071757r.jpg)

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![38 N Holly Avenue - Photo 18](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3548147814r.jpg)

![38 N Holly Avenue - Photo 19](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f4155014830r.jpg)

![38 N Holly Avenue - Photo 20](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3174215753r.jpg)

![38 N Holly Avenue - Photo 21](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3142326232r.jpg)

![38 N Holly Avenue - Photo 22](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f1851050598r.jpg)

![38 N Holly Avenue - Photo 23](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f2505490417r.jpg)

![38 N Holly Avenue - Photo 24](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f2100387477r.jpg)

![38 N Holly Avenue - Photo 25](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3672813199r.jpg)

![38 N Holly Avenue - Photo 26](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f1123720224r.jpg)

![38 N Holly Avenue - Photo 27](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f952144258r.jpg)

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![38 N Holly Avenue - Photo 29](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f1903359720r.jpg)

![38 N Holly Avenue - Photo 30](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f372035683r.jpg)

![38 N Holly Avenue - Photo 31](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f936005195r.jpg)

![38 N Holly Avenue - Photo 32](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3894893802r.jpg)

![38 N Holly Avenue - Photo 33](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f1478301323r.jpg)

![38 N Holly Avenue - Photo 34](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3730396923r.jpg)

![38 N Holly Avenue - Photo 35](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f1499941771r.jpg)

![38 N Holly Avenue - Photo 36](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f2777370789r.jpg)

![38 N Holly Avenue - Photo 37](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3862990177r.jpg)

![38 N Holly Avenue - Photo 38](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f2928828718r.jpg)

![38 N Holly Avenue - Photo 39](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3256059549r.jpg)

![38 N Holly Avenue - Photo 40](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f2707281245r.jpg)

![38 N Holly Avenue - Photo 41](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f2030024238r.jpg)

![38 N Holly Avenue - Photo 42](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f2523790106r.jpg)

![38 N Holly Avenue - Photo 43](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f917362483r.jpg)

![38 N Holly Avenue - Photo 44](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f1107712357r.jpg)

![38 N Holly Avenue - Photo 45](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3482765775r.jpg)

![38 N Holly Avenue - Photo 46](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f748108555r.jpg)

![38 N Holly Avenue - Photo 47](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3642339365r.jpg)

![38 N Holly Avenue - Photo 48](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f4270473041r.jpg)

![38 N Holly Avenue - Photo 49](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3946893833r.jpg)

![38 N Holly Avenue - Photo 50](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3909647520r.jpg)

![38 N Holly Avenue - Photo 51](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f3021110954r.jpg)

![38 N Holly Avenue - Photo 52](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f1808779953r.jpg)

![38 N Holly Avenue - Photo 53](http://lh.rdcpix.com/c2fad3b0e6b9c666b6d6b5f451065426l-f4074520669r.jpg)

---

**MLS#:** 12785102 | **Updated:** 2026-10-27
**Source:** listhub

*Copyright © 2026 Midwest Real Estate Data, LLC. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://staging.propertysimple.ai/listing/38-n-holly-avenue-fox-lake-il-60020-cfbb0f4b6ec84cd9a4914bc0590eb1fd)

---

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