Property listing for 665 Saddle Ridge, Crystal Lake, IL 60012
For SaleSingle Family Home

$768,500

665 Saddle Ridge, Crystal Lake, IL 60012

Expansive 6,490 SF Traditional Home on 1.49 Acres

4 Bed · 4.5 Bath · 6,490 Sq Ft

First-floor primary, finished walkout basement, and direct preserve access

4

Beds

4.5

Baths

6,490

Sq Ft

1991

Built

1.49 acres

Lot

2-car attached

Garage

About 665 Saddle Ridge

This is a home defined by scale, detail, and its rare private setting: a traditional cedar-and-stone residence offering 6,490 square feet on 1.49 wooded acres that back directly to Sterne's Woods & Fen. Arrive down a private asphalt drive to a 126-foot frontage and a two-car attached garage, then move through an interior that blends formal rooms, vaulted ceilings and hardwood floors with family-focused spaces.

The family room centers on a full masonry fireplace under a vaulted ceiling and opens to an expansive deck that overlooks the sloped, private lot — an ideal vantage for watching seasonal change along the preserve. The chef-caliber kitchen features cherry cabinetry, a sizable center island, granite counters and room for informal dining; it steps easily into adjacent living spaces for entertaining or everyday life. Notable on the main level is the first-floor primary suite, thoughtfully laid out for single-floor living and privacy.

Downstairs, the finished walkout basement adds substantial living options: a custom English-style bar, a dedicated workshop, an exercise room and a screened porch that extends living space into the landscape. Four bedrooms and four-and-a-half bathrooms give flexibility for family, guests, or a home office. Practical systems include 200+ amp service, central air, natural gas forced air heating and public water; the home sits on a septic system and has a shake roof that the seller recommends be professionally evaluated as part of routine due diligence.

Outside, the 1.49-acre parcel is the property’s signature feature — heavily treed, sloped for interest and privacy, and with direct access to Sterne's Woods & Fen trails right at the rear lot line. You’re less than two miles from downtown Crystal Lake and the Metra station, with Crystal Lake Main Beach about 2.5 miles away. Prairie Ridge High School, highly rated locally, is within roughly a mile, adding to the appeal for families.

This traditional home presents a compelling blend of scale, finish and location. It’s been maintained in good condition, offers strong potential for multi-generational living or home-based work, and stands out because of the preserve-adjacent lot — a private, nature-oriented setting uncommon this close to Crystal Lake’s amenities. Buyers should confirm routine items (septic records, roof condition, lot boundaries) as part of inspection, then imagine the lifestyle possible here: quiet trails at your back door, spacious rooms for gathering, and generous scope to adapt the home to evolving needs.

Home Highlights

Move-in ready condition with thoughtful layoutFirst-floor primary suite for single-floor convenienceFinished walkout basement with custom English barBacks to Sterne's Woods & Fen nature preserveChef's kitchen with cherry cabinets and granite counters6,490 SF on a private 1.49-acre wooded lot2-car attached garage and generous drivewayPrairie Ridge High School (9/10) within close proximityAnnual HOA fee only $75

Property Features

Interior Features

  • 6,490 SF total living space
  • First-floor primary suite
  • Hardwood floors and vaulted ceilings
  • Chef's kitchen with cherry cabinetry and granite countertops
  • Full masonry fireplace in family room
  • Finished full walkout basement with custom English bar
  • Basement workshop and exercise room
  • Screened porch off the basement

Exterior & Lot

  • 1.49-acre wooded lot backing to Sterne's Woods & Fen
  • 126 ft frontage on Saddle Ridge
  • Sloped topography with private rear yard
  • Deck overlooking preserve
  • 2-car attached garage with asphalt driveway
  • Construction: cedar and stone
  • Roof type: shake (professional evaluation recommended)

Location & Neighborhood

  • Indian Hill Trails subdivision
  • Adjacent to Sterne's Woods & Fen nature preserve (0.1 mi)
  • 2 miles to Downtown Crystal Lake and Metra station
  • Crystal Lake Main Beach ~2.5 miles
  • Prairie Ridge High School (9/10) nearby
  • Annual HOA fee: $75

Walkability & Recreation

  • Walkability Rating: 45/100 — Somewhat Car-Dependent
  • Nearby parks and preserve trails: Sterne's Woods & Fen
  • Hiking and biking trails within 0.1 miles
  • Crystal Lake Main Beach (2.5 miles) for lake access
  • Veterans Acres Park (1.5 miles)
  • Metra Train Station (2 miles) for commuting

Neighborhood & Location

Indian Hill Trails is a quiet, established subdivision prized for large lots, mature trees and direct access to Sterne's Woods & Fen. Residents enjoy a suburban pace with easy access to downtown Crystal Lake’s shops, restaurants and Metra service for commuters. The community is family-friendly — Prairie Ridge High School (9/10) draws local families — and low HOA fees keep neighborhood costs modest. Outdoor enthusiasts benefit from nearby trails, parks and lake access without sacrificing proximity to city amenities.

Market Insights

Crystal Lake’s local market is currently balanced with a slight tilt toward sellers for well-located properties. Inventory sits at roughly three months and homes in the Indian Hill Trails corridor typically move in about 45 days — a tempo that favors prepared buyers who present clean offers. Median sale price in the area is approximately $650,000, with comparable sales for similarly sized traditional homes suggesting an estimated value range for this property between $743,000 and $794,000 (midpoint $768,500). Year-over-year appreciation is modest (about 4% over 12 months) with stronger five-year appreciation (~15%), reflecting steady demand and limited new supply. Large single-family homes with special lot features — wooded acreage or backing to preserves — outperform average listings, often selling closer to list when marketed to buyers seeking privacy and outdoor access. Low inventory and strong schools (Prairie Ridge HS rated 9/10) make this an opportune time to secure a property of this scale; however, buyers should factor in maintenance items (septic, shake roof) and current property taxes in their offers. Rental demand for large homes remains solid, with estimated monthly rents around $6,000 for comparable inventory, underscoring alternative use potential for investors.

Nearby Schools

Prairie Ridge High School

High · 0.8 mi

9/10

Hannah Beardsley Middle School

Middle

8/10

Husmann Elementary School

Elementary

5/10

Walkability & Recreation

45
Walkability
80
Recreation

Excellent preserve and trail access with Sterne's Woods & Fen adjacent to the backyard, Crystal Lake Main Beach 2.5 miles away, Veterans Acres Park nearby, and multiple neighborhood trails for walking and biking.

Investment Highlights

  • First-floor primary suite for convenient living
  • Finished walkout basement with custom bar and additional living spaces
  • Adjacent to Sterne's Woods & Fen nature preserve with direct trail access
  • Spacious 1.49-acre wooded lot offering privacy and scenic views
  • High-rated Prairie Ridge High School (9/10) within 0.8 miles
  • Proximity to Crystal Lake Main Beach and downtown amenities

Key Findings

  • Property backs directly to Sterne's Woods & Fen nature preserve
  • Assessed value of $207,868 significantly below estimated market value
  • Purchased in April 2023 for $670,000; current estimate $768,500
  • Located in Indian Hill Trails subdivision with annual HOA fee of $75
  • Finished walkout basement includes custom English bar, workshop, and exercise room

Things to Consider

  • Septic system may require inspection and maintenance
  • Shake roof may need evaluation due to age
  • Property taxes have increased by 7.7% from 2023 to 2024
  • Walkability Rating estimate of 45/100 indicates limited pedestrian access to amenities

Opportunity Analysis

Well-maintained traditional home in a desirable Crystal Lake subdivision with unique features such as a first-floor primary suite and direct access to a nature preserve. Recent appreciation and strong school ratings enhance its appeal.

Potential Use Scenarios

  • Ideal for buyers seeking a spacious home with natural surroundings
  • Potential for rental income from finished basement spaces
  • Consideration for long-term appreciation in a stable market

Risk Factors

  • Maintenance of septic system and shake roof
  • Increasing property taxes impacting affordability
  • Limited walkability to amenities may affect lifestyle preferences

Buyers should conduct independent due diligence before making any purchase decisions.

AI Valuation Estimate

Low

$743K

Midpoint

$769K

High

$794K

$118/SF estimated price per square foot

82% confidence

Sales comparison approach using 3 comparable sales within 0.5 miles sold in last 12 months. Adjusted for size, condition, and lot features. Assessed value of $207,868 appears below market.

As of 2026-04-16

This is a computer-generated estimate for informational purposes only and is not an appraisal or professional valuation.

Market & Area Data

Market Trends

Area Median Price$650,000
Avg Days on Market45 days
Inventory3 months
1-Year Appreciation+4.0%

Demographics

Population (1 mi)8,000
Median Income (1 mi)$95,000

Stable population with moderate income growth. Walkability Rating estimate: 45/100.

Nearby Points of Interest

  • Sterne's Woods & Fen (0.1 mi)
  • Crystal Lake Main Beach (2.5 mi)
  • Downtown Crystal Lake (2 mi)
  • Metra Train Station (2 mi)
  • Veterans Acres Park (1.5 mi)

Adjacent to Sterne's Woods & Fen nature preserve, offering hiking and biking trails. Close proximity to Crystal Lake Main Beach and downtown amenities. Convenient access to Metra train station for commuting.

School District

DistrictCrystal Lake Community Consolidated School District 47
ElementaryHusmann Elementary School (5/10)
MiddleHannah Beardsley Middle School (8/10)
HighPrairie Ridge High School (9/10)

Market data is based on aggregated public records and may not reflect real-time conditions.

Property Details

Building Details

Year Built1991
Constructioncedar and stone
Stories2
Roofshake
Heatingnatural gas forced air
Coolingcentral air
Basementfull walkout finished
FireplaceYes
Conditiongood

Lot & Site

Lot Size1.49 acres (64,904 SF)
Topographysloped
Parkingattached_garage_and_driveway
Parking Spaces2
Frontage126 ft frontage on Saddle Ridge

Utilities

Waterpublic
Sewerseptic
Electric200+ Amp Service
Gasnatural gas

Zoning & Land Use

Zoning CodeR-1
DescriptionSingle Family Residential
JurisdictionCity of Crystal Lake

Allowed Uses

single familyhome occupation
Current Useresidential
Assessor UseSingle Family Residential

Tax & Sale History

Tax Assessment

Total Assessed$207,868
Land$37,286
Improvements$170,582
Annual Tax (2024)$17,123

Sale History

2023-04-26$670,000

$103/SF

Arm's length transaction

2004-04-12$502,000

$77/SF

Arm's length transaction

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