1028 Orchard Pond Ct · Lake Zurich, IL 60047

$529,900

3 bd · 3.5 ba · 2,572 sqft · Townhouse public records · 38 Days on market

Built 2002 $206/sqft · 16% below area Est $633k · 16% under $477/mo HOA · 9% of rent

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Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +14.8/15.0
• Cash flow +12.6/30.0
• 1% rule +4.9/10.0
• Schools +4.6/10.0
• DSCR +3.8/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this truly move-in ready townhome located in the highly desirable Sonoma subdivision-where comfort, elegance, and convenience come together seamlessly. This beautifully maintained residence offers 3 bedrooms, 3.1 baths, and a finished walk-out basement, delivering the perfect blend of style and functionality. Step inside to be greeted by a dramatic two-story living room filled with natural light, flowing effortlessly into a sophisticated dining area-ideal for both everyday living and entertaining. A stunning three-sided gas fireplace creates a warm ambiance, elegantly dividing the dining room from the inviting family room, which features sliding glass doors leading to a spacious deck. The gourmet kitchen is thoughtfully designed and open to the family room, showcasing newer stainless steel appliances, an upgraded refrigerator, double oven, gas cooktop, breakfast bar, and a pantry closet-perfect for any home chef. An updated powder room completes the main level. Upstairs, a graceful staircase leads to an open hallway overlooking the main living space below. The luxurious primary suite offers a double-door entry, vaulted ceiling, walk-in closet, and a spa-inspired en suite bath complete with a jetted tub, dual vanities, and a separate shower. Two additional bedrooms, a beautifully updated hall bath, and a convenient second-floor laundry room with sink complete this level. The finished walk-out basement expands your living space with a bright and airy recreation room featuring high ceilings, recessed lighting, and abundant natural light. Sliding doors open to a covered patio with serene pond views-creating the perfect setting for relaxation. This level also includes a full bath and ample storage space. Additional upgrades include a water softener, reverse osmosis (RO) drinking water filtration system, and a recently updated water heater-adding comfort, efficiency, and peace of mind. Ideally situated on a quiet street, this home is just a short walk to shopping, dining, and everyday conveniences. Impeccably maintained and absolutely spotless, this stunning home is ready for you to move in and enjoy.

Key facts

• $477 HOA
• 2 garage spots
• Built 2002

What this means for you Summary

Snapshot

• This is a 3-bed/3.5-bath townhouse listed at $530k.

Deal economics

• At list price, monthly cash flow is $-65 ($-780/yr) — negative.
• To cash-flow at today's rent, offer at most $518k (2.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $525k (1.0% below list).
• Recommended offer: $514k (3.0% below list) — sets the bar for market timing.
• Cap rate 6.1% vs local median 4.5% in Lake Zurich — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 76/100 on livability (#175 in IL, #3,345 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: health & safety C-, amenities F, commute F.
• Lake Zurich CUSD 95 (suburban): math 47% / reading 47% proficiency, ranked #44 of 620 in IL (top 7%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; only 10% free/reduced lunch — higher-income household profile.
• Market conditions: 167 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 75% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 948 units permitted in Lake County in 2024 (424 in 5+ unit buildings).
• This rent runs 36% of the median local income ($176k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $4k of loan paydown is wiped out by about $16k of value loss. Plan a longer hold.
• Lake County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 38 days — a 3% lower offer ($514k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 7y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $340k; list at $530k implies a 56% gain — meaningful room to come down on a strong offer.

Recommended offer $514,003 (3.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 38 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.99% ✗
• Cap rate: 6.15%
• Cash-on-cash: -0.53%
• DSCR: 0.98
• GRM: 8.4

CMA / ARV

• ARV (median comp): $632,589
• List price: $529,900
• Delta: -16.23%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1021 Orchard Pond Ct	0.03mi	3/3.5	2,572 (0%)	23mo	$500,000	$194	79
1195 Honey Lake Rd #1195	0.65mi	2/2.0 (-1)	2,200 (-14%)	23mo	$560,000	$255	16

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -17.1%
• Equity multiple: 0.40×
• Total profit: $-89,591
• Equity at exit: $79,010

10-year hold

• IRR: -8.8%
• Equity multiple: 0.45×
• Total profit: $-81,655
• Equity at exit: $45,816

Cash invested: $148,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 43 Moderately Tenant-Leaning
• State Illinois: 43 Moderately Tenant-Leaning · D+7
• County: — inherits STATE
• City: — inherits STATE

Chicago RTLO is among the strongest tenant ordinances in the Midwest; downstate is more landlord-friendly.

Methodology + full state rankings →

ZIP-level market 60047

• Active inventory: 167
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $5,248 medium
• Mortgage (P&I): −$2,779
• Tax from tax record: −$734 /mo · $8,811/yr
• Insurance: −$221
• HOA: −$477
• Vacancy / Maint / Mgmt: −$1,102
• Net cashflow: $-65

Break-even live

Break-even rent $5,330

Max offer price $518,414

Occupancy floor 96%

Sensitivity live

Price	-10% $235	-5% $85	+0% $-65	+5% $-215	+10% $-365
Rent	-10% $-480	-5% $-272	+0% $-65	+5% $142	+10% $350
Rate	-1.0pp $202	-0.5pp $70	base $-65	+0.5pp $-202	+1.0pp $-342

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $132,475
• Closing costs: $15,897
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
121 Rosehall Dr Lake Zurich, IL	3.0	3.0	2000	$3,600	$1.80	44d	1	0.95mi
148 Oak St Lake Zurich, IL	4.0	3.5	3597	$8,400	$2.34	44d	1	1.29mi
154 Oak St Lake Zurich, IL	4.0	3.5	3597	$8,400	$2.34	44d	1	1.30mi
21301 N Woodland Ave Barrington, IL	4.0	2.5	2200	$4,500	$2.05	2d	1	1.46mi

HOA detail

• Monthly dues: $477 · $5,724/yr
• Likely covers: watergas

Listing history 29 events

1. 2026-06-21
   days on market $529,900 Active 38 DOM
2. 2026-06-18
   days on market $529,900 Active 35 DOM
3. 2026-06-17
   days on market $529,900 Active 34 DOM
4. 2026-06-16
   days on market $529,900 Active 33 DOM
5. 2026-06-15
   days on market $529,900 Active 32 DOM
6. 2026-06-13
   days on market $529,900 Active 30 DOM
7. 2026-06-09
   days on market $529,900 Active 26 DOM
8. 2026-06-08
   days on market $529,900 Active 25 DOM
9. 2026-06-07
   pricedays on market $529,900 Active 24 DOM
10. 2026-06-04
    days on market $549,900 Active 21 DOM
11. 2026-06-03
    days on market $549,900 Active 20 DOM
12. 2026-06-02
    days on market $549,900 Active 19 DOM
13. 2026-06-01
    days on market $549,900 Active 18 DOM
14. 2026-05-31
    days on market $549,900 Active 17 DOM
15. 2026-05-15
    listed $549,900 Active 2161-char remark

    Show marketing remark (2161 chars)

    Welcome to this truly move-in ready townhome located in the highly desirable Sonoma subdivision-where comfort, elegance, and convenience come together seamlessly. This beautifully maintained residence offers 3 bedrooms, 3.1 baths, and a finished walk-out basement, delivering the perfect blend of style and functionality. Step inside to be greeted by a dramatic two-story living room filled with natural light, flowing effortlessly into a sophisticated dining area-ideal for both everyday living and entertaining. A stunning three-sided gas fireplace creates a warm ambiance, elegantly dividing the dining room from the inviting family room, which features sliding glass doors leading to a spacious deck. The gourmet kitchen is thoughtfully designed and open to the family room, showcasing newer stainless steel appliances, an upgraded refrigerator, double oven, gas cooktop, breakfast bar, and a pantry closet-perfect for any home chef. An updated powder room completes the main level. Upstairs, a graceful staircase leads to an open hallway overlooking the main living space below. The luxurious primary suite offers a double-door entry, vaulted ceiling, walk-in closet, and a spa-inspired en suite bath complete with a jetted tub, dual vanities, and a separate shower. Two additional bedrooms, a beautifully updated hall bath, and a convenient second-floor laundry room with sink complete this level. The finished walk-out basement expands your living space with a bright and airy recreation room featuring high ceilings, recessed lighting, and abundant natural light. Sliding doors open to a covered patio with serene pond views-creating the perfect setting for relaxation. This level also includes a full bath and ample storage space. Additional upgrades include a water softener, reverse osmosis (RO) drinking water filtration system, and a recently updated water heater-adding comfort, efficiency, and peace of mind. Ideally situated on a quiet street, this home is just a short walk to shopping, dining, and everyday conveniences. Impeccably maintained and absolutely spotless, this stunning home is ready for you to move in and enjoy.

16. 2021-03-01
    soldstatus $340,000
17. 2020-11-30
    soldstatus $340,000 Closed Sale 1523-char remark

    Show marketing remark (1523 chars)

    Finally, a truly move-in ready townhome with a finished walk-out basement is available in desirable Sonoma subdivision. This 3 bedroom/3.1 bath townhome features gorgeous hardwood flooring throughout the main level, recessed lighting, updated appliances and a beautifully finished basement. As you enter this wonderful home you are greeted by a 2 story living room that flows seamlessly into an elegant dining area. A 3 sided gas fireplace separates the dining room from a cozy family room that has sliding doors to a spacious deck. The gourmet kitchen is open to the family room, and features newer stainless steel appliances, double oven, gas cooktop, breakfast bar and pantry closet. An updated half bath finishes off the main level. A gracious staircase leads to the second level with hallway overlooking the main living area. The second floor is complete with a tranquil owners suite with a double door entry, vaulted ceiling, walk-in closet and a stunning spa bathroom featuring jetted tub, dual vanity, and separate shower. Two additional bedrooms, sparkling hall bathroom, and laundry room with sink finish off the second level. The lower level offers a great recreation room with high ceilings, recessed lighting and plenty of natural light. Sliders lead from the lower level onto a covered patio with beautiful pond views. Lower level also has a full bathroom and additional storage. Perfectly located on a quiet street with a short walk to shops and restaurants. Fall in love with this absolutely spotless home!!

18. 2020-11-19
    status Pending 1523-char remark

    Show marketing remark (1523 chars)

    Finally, a truly move-in ready townhome with a finished walk-out basement is available in desirable Sonoma subdivision. This 3 bedroom/3.1 bath townhome features gorgeous hardwood flooring throughout the main level, recessed lighting, updated appliances and a beautifully finished basement. As you enter this wonderful home you are greeted by a 2 story living room that flows seamlessly into an elegant dining area. A 3 sided gas fireplace separates the dining room from a cozy family room that has sliding doors to a spacious deck. The gourmet kitchen is open to the family room, and features newer stainless steel appliances, double oven, gas cooktop, breakfast bar and pantry closet. An updated half bath finishes off the main level. A gracious staircase leads to the second level with hallway overlooking the main living area. The second floor is complete with a tranquil owners suite with a double door entry, vaulted ceiling, walk-in closet and a stunning spa bathroom featuring jetted tub, dual vanity, and separate shower. Two additional bedrooms, sparkling hall bathroom, and laundry room with sink finish off the second level. The lower level offers a great recreation room with high ceilings, recessed lighting and plenty of natural light. Sliders lead from the lower level onto a covered patio with beautiful pond views. Lower level also has a full bathroom and additional storage. Perfectly located on a quiet street with a short walk to shops and restaurants. Fall in love with this absolutely spotless home!!

19. 2020-10-14
    status Contingent 1523-char remark

    Show marketing remark (1523 chars)

    Finally, a truly move-in ready townhome with a finished walk-out basement is available in desirable Sonoma subdivision. This 3 bedroom/3.1 bath townhome features gorgeous hardwood flooring throughout the main level, recessed lighting, updated appliances and a beautifully finished basement. As you enter this wonderful home you are greeted by a 2 story living room that flows seamlessly into an elegant dining area. A 3 sided gas fireplace separates the dining room from a cozy family room that has sliding doors to a spacious deck. The gourmet kitchen is open to the family room, and features newer stainless steel appliances, double oven, gas cooktop, breakfast bar and pantry closet. An updated half bath finishes off the main level. A gracious staircase leads to the second level with hallway overlooking the main living area. The second floor is complete with a tranquil owners suite with a double door entry, vaulted ceiling, walk-in closet and a stunning spa bathroom featuring jetted tub, dual vanity, and separate shower. Two additional bedrooms, sparkling hall bathroom, and laundry room with sink finish off the second level. The lower level offers a great recreation room with high ceilings, recessed lighting and plenty of natural light. Sliders lead from the lower level onto a covered patio with beautiful pond views. Lower level also has a full bathroom and additional storage. Perfectly located on a quiet street with a short walk to shops and restaurants. Fall in love with this absolutely spotless home!!

20. 2020-09-25
    price $350,000 1523-char remark

    Show marketing remark (1523 chars)

    Finally, a truly move-in ready townhome with a finished walk-out basement is available in desirable Sonoma subdivision. This 3 bedroom/3.1 bath townhome features gorgeous hardwood flooring throughout the main level, recessed lighting, updated appliances and a beautifully finished basement. As you enter this wonderful home you are greeted by a 2 story living room that flows seamlessly into an elegant dining area. A 3 sided gas fireplace separates the dining room from a cozy family room that has sliding doors to a spacious deck. The gourmet kitchen is open to the family room, and features newer stainless steel appliances, double oven, gas cooktop, breakfast bar and pantry closet. An updated half bath finishes off the main level. A gracious staircase leads to the second level with hallway overlooking the main living area. The second floor is complete with a tranquil owners suite with a double door entry, vaulted ceiling, walk-in closet and a stunning spa bathroom featuring jetted tub, dual vanity, and separate shower. Two additional bedrooms, sparkling hall bathroom, and laundry room with sink finish off the second level. The lower level offers a great recreation room with high ceilings, recessed lighting and plenty of natural light. Sliders lead from the lower level onto a covered patio with beautiful pond views. Lower level also has a full bathroom and additional storage. Perfectly located on a quiet street with a short walk to shops and restaurants. Fall in love with this absolutely spotless home!!

21. 2020-09-15
    status Reactivated 1523-char remark

    Show marketing remark (1523 chars)

    Finally, a truly move-in ready townhome with a finished walk-out basement is available in desirable Sonoma subdivision. This 3 bedroom/3.1 bath townhome features gorgeous hardwood flooring throughout the main level, recessed lighting, updated appliances and a beautifully finished basement. As you enter this wonderful home you are greeted by a 2 story living room that flows seamlessly into an elegant dining area. A 3 sided gas fireplace separates the dining room from a cozy family room that has sliding doors to a spacious deck. The gourmet kitchen is open to the family room, and features newer stainless steel appliances, double oven, gas cooktop, breakfast bar and pantry closet. An updated half bath finishes off the main level. A gracious staircase leads to the second level with hallway overlooking the main living area. The second floor is complete with a tranquil owners suite with a double door entry, vaulted ceiling, walk-in closet and a stunning spa bathroom featuring jetted tub, dual vanity, and separate shower. Two additional bedrooms, sparkling hall bathroom, and laundry room with sink finish off the second level. The lower level offers a great recreation room with high ceilings, recessed lighting and plenty of natural light. Sliders lead from the lower level onto a covered patio with beautiful pond views. Lower level also has a full bathroom and additional storage. Perfectly located on a quiet street with a short walk to shops and restaurants. Fall in love with this absolutely spotless home!!

22. 2020-09-09
    status Contingent 1523-char remark

    Show marketing remark (1523 chars)

    Finally, a truly move-in ready townhome with a finished walk-out basement is available in desirable Sonoma subdivision. This 3 bedroom/3.1 bath townhome features gorgeous hardwood flooring throughout the main level, recessed lighting, updated appliances and a beautifully finished basement. As you enter this wonderful home you are greeted by a 2 story living room that flows seamlessly into an elegant dining area. A 3 sided gas fireplace separates the dining room from a cozy family room that has sliding doors to a spacious deck. The gourmet kitchen is open to the family room, and features newer stainless steel appliances, double oven, gas cooktop, breakfast bar and pantry closet. An updated half bath finishes off the main level. A gracious staircase leads to the second level with hallway overlooking the main living area. The second floor is complete with a tranquil owners suite with a double door entry, vaulted ceiling, walk-in closet and a stunning spa bathroom featuring jetted tub, dual vanity, and separate shower. Two additional bedrooms, sparkling hall bathroom, and laundry room with sink finish off the second level. The lower level offers a great recreation room with high ceilings, recessed lighting and plenty of natural light. Sliders lead from the lower level onto a covered patio with beautiful pond views. Lower level also has a full bathroom and additional storage. Perfectly located on a quiet street with a short walk to shops and restaurants. Fall in love with this absolutely spotless home!!

23. 2020-09-06
    price $355,000 1523-char remark

    Show marketing remark (1523 chars)

    Finally, a truly move-in ready townhome with a finished walk-out basement is available in desirable Sonoma subdivision. This 3 bedroom/3.1 bath townhome features gorgeous hardwood flooring throughout the main level, recessed lighting, updated appliances and a beautifully finished basement. As you enter this wonderful home you are greeted by a 2 story living room that flows seamlessly into an elegant dining area. A 3 sided gas fireplace separates the dining room from a cozy family room that has sliding doors to a spacious deck. The gourmet kitchen is open to the family room, and features newer stainless steel appliances, double oven, gas cooktop, breakfast bar and pantry closet. An updated half bath finishes off the main level. A gracious staircase leads to the second level with hallway overlooking the main living area. The second floor is complete with a tranquil owners suite with a double door entry, vaulted ceiling, walk-in closet and a stunning spa bathroom featuring jetted tub, dual vanity, and separate shower. Two additional bedrooms, sparkling hall bathroom, and laundry room with sink finish off the second level. The lower level offers a great recreation room with high ceilings, recessed lighting and plenty of natural light. Sliders lead from the lower level onto a covered patio with beautiful pond views. Lower level also has a full bathroom and additional storage. Perfectly located on a quiet street with a short walk to shops and restaurants. Fall in love with this absolutely spotless home!!

24. 2020-08-28
    listed $359,900 New 1523-char remark

    Show marketing remark (1523 chars)

    Finally, a truly move-in ready townhome with a finished walk-out basement is available in desirable Sonoma subdivision. This 3 bedroom/3.1 bath townhome features gorgeous hardwood flooring throughout the main level, recessed lighting, updated appliances and a beautifully finished basement. As you enter this wonderful home you are greeted by a 2 story living room that flows seamlessly into an elegant dining area. A 3 sided gas fireplace separates the dining room from a cozy family room that has sliding doors to a spacious deck. The gourmet kitchen is open to the family room, and features newer stainless steel appliances, double oven, gas cooktop, breakfast bar and pantry closet. An updated half bath finishes off the main level. A gracious staircase leads to the second level with hallway overlooking the main living area. The second floor is complete with a tranquil owners suite with a double door entry, vaulted ceiling, walk-in closet and a stunning spa bathroom featuring jetted tub, dual vanity, and separate shower. Two additional bedrooms, sparkling hall bathroom, and laundry room with sink finish off the second level. The lower level offers a great recreation room with high ceilings, recessed lighting and plenty of natural light. Sliders lead from the lower level onto a covered patio with beautiful pond views. Lower level also has a full bathroom and additional storage. Perfectly located on a quiet street with a short walk to shops and restaurants. Fall in love with this absolutely spotless home!!

25. 2019-10-25
    historical
26. 2019-07-25
    price
27. 2019-07-17
    listed New
28. 2009-10-22
    soldstatus $275,000
29. 2004-06-30
    soldstatus $393,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast IL · Partial reset (capped growth)

• Current annual tax: $8,811 · $734/mo
• Projected year-2 tax: $10,420 · $868/mo
• Expected delta: +$1,609/yr (+$134/mo · 18.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥100°F today · 14 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $62,975
• − Mortgage interest: −$29,683
• − Property taxes: −$8,811
• − Insurance: −$2,650
• − Repairs & maintenance: −$5,038
• − Management: −$5,038
• − HOA: −$5,724
• − Depreciation: −$15,415
• Taxable loss: −$9,383
• Est. tax savings @ 24.0%: +$2,252
• After-tax cash flow: $1,472/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Lake Zurich CUSD 95
• NCES district ID: 1721900
• Math proficiency: 47% ▼ -5.00%
• Reading proficiency: 47% ▼ -7.00%
• Median HH income: $114,452
• Composite: 46.47/100
• National rank: #2437
• State rank: #44 of 620 in IL

Livability — Lake Zurich

• Score: 76/100
• State rank: #175
• US rank: #3345

Category grades

Amenities F Commute F Cost of living D- Crime A+ Employment A+ Housing A+ Health & safety C- User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lake Zurich, IL
• County: Lake County · 591,991 people
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• Population (ZIP): 44,240
• Household income: $176,081
• Rent vs Own: 12.1% rent · 87.9% own
• Severe rent burden: 377.0

Population outlook (Lake County) Hauer SSP2

• Today (2025): 700,217 people
• By 2030: 693,290 · -1.0%
• By 2040: 673,588 · -3.8%
• By 2050: 643,556 · -8.1%
• By 2075: 562,792 · -19.6%
• By 2100: 457,715 · -34.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Asian 12% Two or more races 6% Hispanic / Latino 6%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Romanian 11% Scotch-Irish 3% Portuguese 2%
• Foreign-born: 18% · Canada, China, South Korea
• Languages at home: 76% English-only · Russian/Polish/Slavic 8% Spanish 5% Other Indo-European 4%

Political lean MEDSL · Lake

• 2024 margin: Strong D (+20.8) · D 59.7% · R 38.9% · Other 1.4%
• 2008→2024 swing: +1.1pp toward D · 2008: 19.6pp · 2024: 20.8pp
• All cycles: 2024: D+20.8 2020: D+24.1 2016: D+20.3 2012: D+8.1 2008: D+19.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -228.82%
• Current HPI: 204.4326
• Rent YoY: —
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• State GDP YoY: ▲ 1.59%
• F500 in state: 60

Industry mix (Fortune 500 HQ in IL)

Industry	F500 HQs	Revenue
▸Insurance	4	$201B
▸Consumer Goods	4	$87B
▸Industrial Machinery	3	$64B
▸Healthcare	2	$55B
▸Retail / Pharmacy	1	$148B
▸Agriculture / Food	1	$86B

Price history

+39.7% since first listed

15 events — show timeline

• 2026-05-15 Listed $549,900 MRED as Distributed by MLS Grid
• 2021-03-01 Sold (Public Records) $340,000 Public Records
• 2020-11-30 Sold (MLS) $340,000 MRED as Distributed by MLS Grid
• 2020-11-19 Pending — MRED as Distributed by MLS Grid
• 2020-10-14 Pending — MRED as Distributed by MLS Grid
• 2020-09-25 Price Changed $350,000 MRED as Distributed by MLS Grid
• 2020-09-15 Relisted — MRED as Distributed by MLS Grid
• 2020-09-09 Pending — MRED as Distributed by MLS Grid
• 2020-09-06 Price Changed $355,000 MRED as Distributed by MLS Grid
• 2020-08-28 Listed $359,900 MRED as Distributed by MLS Grid
• 2019-10-25 Listing Removed — MRED as Distributed by MLS Grid
• 2019-07-25 Price Changed — MRED as Distributed by MLS Grid
• 2019-07-17 Listed — MRED as Distributed by MLS Grid
• 2009-10-22 Sold (Public Records) $275,000 Public Records
• 2004-06-30 Sold (Public Records) $393,500 Public Records

Property tax history

+0.7%/yr

Latest (2024): $8,811 · +0.0% YoY. Source: county tax records.