Contact us: 563.441.1776
Description
An extraordinary chance to own one of the most desirable waterfront lots remaining at Lake Carroll. Located in the highly coveted Swimmers Bay, this exceptional 2.27-acre waterfront lot offers 196 feet of shoreline and one of the most beautiful, buildable settings left on the lake. Tucked just inside the mouth of the bay, the property enjoys calmer water, stunning views, and an ideal setting for swimming, boating, and relaxing at the shoreline. The land features a gentle, natural slope to the water, making it perfectly suited for a walk-out lower level and expansive lakeside outdoor living spaces. Since purchasing, the owners have made significant improvements to enhance both usability and shoreline integrity, transforming this into a truly special, build-ready waterfront property. Updates include extensive tree clearing to open up views and create more functional space, shoreline stabilization with updated rip rap, and a leveled waterfront area ideal for gathering and easy lake access. The combination of acreage, privacy, improved shoreline, and premier bay location is incredibly rare - especially on a lot that still allows you to design and build exactly what you want. Conveniently located near the clubhouse, golf course, and trail system, this property offers the best of Lake Carroll living both on and off the water. Large, improved waterfront parcels like this simply do not exist anymore at Lake Carroll. This is a rare chance to create a legacy lake home in one of the community's most desirable locations.
Property Highlights
Property Type: Land - Residential
Total Acres: 2.27 Acres
General Information
County: Carroll
Listed By:
Keller Williams Inspire - Geneva
630-262-9500
MRED MLS
MLS ID: 12555470
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24-78 Saddlewood Lane, Lake Carroll, IL 61046.
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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $699,000 | $699,000 | $699,000 |
| Down Payment | $139,800 | $24,465 | $174,750 |
| Monthly Mortgage Amount | $3,398 | $4,226 | $4,318 |
| Taxes | $973 | $973 | $973 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $308 | $0 |
| Monthly Estimated Total | $4,575 | $5,711 | $5,495 |
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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 consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 06/15/2026. The listing information on this page last changed on 06/15/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Mon 06/15/2026 12:00:41 AM EST) or MRED MLS (last updated Sun 06/14/2026 11:57:56 PM EST) or SCWMLS (last updated Sun 06/14/2026 11:54:32 PM EST) or Rockford Board of Realtors (NWIAR) (last updated Sun 06/14/2026 10:15:17 PM EST) or Cedar Rapids MLS (last updated Sun 06/14/2026 10:44:27 PM EST) or NEIRBR MLS (last updated Sun 06/14/2026 11:58:41 PM EST) or ICAAR MLS (last updated Sun 06/14/2026 11:37:28 PM EST) or ECIMLS (last updated Sun 06/14/2026 11:44:13 PM EST) or RMLSA (last updated Sun 06/14/2026 11:50:57 PM EST) or Muscatine MLS (last updated Sun 06/14/2026 11:45:10 PM EST) or No Coast MLS (last updated Sun 06/14/2026 11:54:18 PM EST). Real estate listings held by brokerage firms other than Ruhl&Ruhl Realtors 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. All rights reserved.
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