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226 Clay Street Ottawa, IL 61350 Residential - Single Family Active

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Description

Experience the rare luxury of true riverfront freedom. Nestled on a premier stretch of the Illinois River, this classic brick residence offers something the planned resort communities cannot: over 200 feet of private, unobstructed shoreline across two parcels and the liberty of your river, your rules. Whether you are seeking a primary sanctuary or a sophisticated second home, this property serves as a stunning canvas for your custom vision. The lifestyle here is defined by the water. A riverside sun porch perches at the water's edge, offering a front-row seat to both sunrises and sunsets. Inside, the spacious living room centers around a wood-burning fireplace, while the kitchen provides seamless transition to the outdoor patio --perfect for morning coffee or evening wine as the river rolls by. The main level is designed for effortless living, featuring a primary suite with an adjacent river-view office, a second bedroom, and a beautifully updated bathroom with a walk-in tile shower and convenient laundry. A standout feature of this estate is the versatile North Wing. With its own private entrance, en-suite bathroom, and kitchenette, this space is a high-value asset-perfect for a luxury short-term rental/Airbnb, related living, or a secluded professional studio. While other riverfront developments require a drive for dinner, you are located less than one mile from the vibrant shops, dining, and seasonal festivals of Washington Square and downtown Ottawa. Enjoy the best of the city and the serenity of the river, with easy access to I-80 for an effortless commute.

Property Highlights

Property Type: Residential - Single Family
Total Living Area SF: 2,064
Built in 1946
High School: Ottawa Township High School
River Front
Brick Exterior
One Fireplace

General Information

Bedrooms: 4
Bathrooms: 2
Sqft: 2,064
County: LaSalle
High School: Ottawa Township High School
Listed By:
Coldwell Banker Real Estate Group 815-433-5501
MRED MLS

Room Information

Kitchen- 2nd: 4X9
Office: 8X14
Family Room - Down: 18X19
Recreation Room: 14X27
Storage: 7X12
Bedroom 2: 12X14
Bedroom 3: 11X14
Bedroom 4: 18X10
Dining Room: 6X12
Kitchen: 14X12
Laundry: 6X8
Living Room: 25X13
Primary Bedroom: 11X17
$295,000
Est. $1,945/mo
4beds
2baths
2,064sqft
New to the Market Active
BEDS4 BATHS2 full SQUARE FEET2,064 MLS#12589659
STATUSActive PROPERTY TYPEResidential - Single Family SCHOOLDistrict 140

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For Details, Contact

Ruhl&Ruhl Realtors
563.441.1776

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226 Clay Street, Ottawa, IL 61350.

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Loan Type 30 Year FixedFHA 30 Year Fixed15 Year Fixed
Purchase Price $295,000$295,000$295,000
Down Payment $59,000$10,325$73,750
Monthly Mortgage Amount $1,434$1,737$1,823
Taxes $411$411$411
Insurance $100$100$100
HOA/Dues/Fees $0$0$0
Monthly Mortage Insurance $0$130$0
Monthly Estimated Total $1,945$2,378$2,334

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