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1305 13th Street, Winthrop Harbor, IL 60096.
Location, nature, and space come together in this inviting 3-bedroom, 2.5-bath split-level home with a detached 3-car garage, no HOA, and a peaceful setting near Lake Michigan! Tucked away on a quiet dead-end street adjacent to the forest preserve, this home offers beautiful seasonal views, abundant privacy, and the convenience of city water and sewer. Step inside to a bright, open living room featuring a vaulted ceiling, plush carpeting, and a large picture window overlooking the natural surroundings. The spacious eat-in kitchen offers all appliances, a breakfast bar, new flooring, oversized pantry closet, and plenty of room for a dining table. French doors lead directly to the deck for easy indoor-outdoor living, grilling, and entertaining. The primary bedroom features a private ensuite bath, while two additional generously sized bedrooms share a second full bath with new flooring. Closets throughout provide plenty of storage. The newly renovated lower-level family room adds even more living space and features a cozy wood-burning fireplace, convenient half bath, and walkout access to the yard-perfect for a recreation room, movie room, home office, or entertaining space. The mechanical/laundry room includes a newer washer and dryer (2022). Smart-home buyers will appreciate updated wiring for smart-home technology and smart light switches throughout. Additional features include 200-amp electrical service and a low-maintenance exterior. A standout feature is the impressive 32' x 28' detached 3-car garage with additional storage-ideal for car enthusiasts, a workshop, hobbies, recreational equipment, or extra storage. A shed and side parking apron provide even more flexibility. With no HOA, a 3-car garage, walkout lower level, deck, smart-home features, forest preserve setting, and Lake Michigan just minutes away, this home offers a rare combination of space, privacy, nature, and convenience!
MLS ID: 12744616
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1305 13th Street, Winthrop Harbor, IL 60096.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $345,000 | $345,000 | $345,000 |
| Down Payment | $69,000 | $12,075 | $86,250 |
| Monthly Mortgage Amount | $1,813 | $2,225 | $2,236 |
| Taxes | $480 | $480 | $480 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $152 | $0 |
| Monthly Estimated Total | $2,394 | $2,958 | $2,817 |
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