Homes/Illinois/Crystal Lake/665 Saddle Ridge
CompCasa Property Analysis · single_family

665 Saddle Ridge

Expansive 6,490 SF Traditional Home on 1.49 Acres

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

4 beds4.5 baths6,490 sq ftBuilt 19911.49 acres2-car attached
CompCasa valuation analysis
Estimated market value
$768,500
Low $743,000 · Midpoint $768,500 · High $794,000
Confidence82%Sales comparison approach
Last recorded sale$670,000Apr 26, 2023
Assessed value$207,8682024 assessment
CompCasa estimate$768,500Apr 16, 2026
Estimate vs. last recorded sale+$98,500 / +14.7%
$743,000$768,500 midpoint$794,000
Price / sq ft$118
Median sale price$650,000
Avg days on market45 days
Inventory3 months

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.

About the property

Expansive 6,490 SF Traditional Home on 1.49 Acres

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.

Comparable evidence

See the properties helping shape the valuation.

Comparable sales

01Sold price$570,000
Property address661 Saddle Ridge, Crystal Lake, IL 60012
4 bed3.5 bath3,300 sq ftBuilt 19900.1 mi65,000 sq ft lot$173/SF
Sold Jun 15, 2024
Subject difference
  • 3,190 SF smaller
  • 1 fewer bathroom
  • Similar lot size
  • 1 year older
Research comparison noteSimilar size and lot, slightly older construction
02Sold price$613,042
Property address732 Saddle Ridge, Crystal Lake, IL 60012
4 bed3.5 bath3,110 sq ftBuilt 19920.2 mi26,136 sq ft lot$197/SF
Sold Sep 20, 2024
Subject difference
  • 3,380 SF smaller
  • 1 fewer bathroom
  • 38,768 SF smaller lot
  • 1 year newer
Research comparison noteSmaller lot, similar age and features
03Sold price$395,000
Property address709 Saddle Ridge, Crystal Lake, IL 60012
4 bed2.5 bath2,782 sq ftBuilt 19900.3 mi23,522 sq ft lot$142/SF
Sold Nov 16, 2024
Subject difference
  • 3,708 SF smaller
  • 2 fewer bathrooms
  • 41,382 SF smaller lot
  • 1 year older
Research comparison noteSmaller home and lot, fewer bathrooms
Comp methodology: Focused on similar traditional-style homes within 0.5 miles in Crystal Lake sold in last 12 months for maximum relevance
Property details

A 1991 traditional on 1.49 acres.

Building

Year built1991
ConstructionCedar And Stone
RoofShake
Heatingnatural gas forced air
Coolingcentral air

Site & utilities

Lot size1.49 acres
Garage2-car attached
Stories2
ConditionGood
BasementFull Walkout Finished
FireplaceYes
Improvement notes4 bedrooms, 4.5 bathrooms, hardwood floors, vaulted ceilings, finished walkout basement with custom bar, workshop, exercise room, and screened porch
Lot area64,904 sq ft
TopographySloped
Frontage126 ft frontage on Saddle Ridge
ParkingAttached Garage And Driveway
Parking spaces2
Parking notes2-car attached garage plus asphalt driveway
AccessStandard residential driveway from Saddle Ridge
WaterPublic
SewerSeptic
Electric200+ Amp Service
GasNatural Gas
Location & nearby

Indian Hill Trails

Researched nearby locations

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)

Location

665 Saddle Ridge, Crystal Lake, IL 60012

View in Google Maps
Editorial neighborhood context

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.

Nearby access summary

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.

ElementaryHusmann Elementary School (5/10)
Middle schoolHannah Beardsley Middle School (8/10)
High schoolPrairie Ridge High School (9/10)
School districtCrystal Lake Community Consolidated School District 47
Market context

A factual market snapshot around 665 Saddle Ridge.

Median sale price$650,000
Avg days on market45 days
Inventory3 months
1-year appreciation4.0%
5-year appreciation15.0%
Editorial market perspective

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.

Zoning & land use

Single Family Residential

Zoning

Zoning codeR-1
DescriptionSingle Family Residential
JurisdictionCity of Crystal Lake
Assessor useSingle Family Residential
Current useResidential
SetbacksFront 30', side 10', rear 20'

Research-indicated uses

  • Single Family
  • Home Occupation
Verify with the jurisdiction: Zoning, setbacks, and allowed-use summaries are research indicators—not legal advice or a determination that a specific use is permitted.
Tax & sale history

Assessment data and recorded transactions.

Assessed value is kept visually separate from the CompCasa market-value estimate.

Tax assessment

Assessed land$37,286
Assessed improvements$170,582
Total assessed$207,868
Assessment year2024
Annual property tax$17,123
Tax year2024

Sale history

2023-04-26$670,000 · $103/SF
2004-04-12$502,000 · $77/SF
Rental market context

Rental references from the research record.

Context only—not an investment recommendation or guarantee of achievable rent.

Supporting lease references

01Monthly rent$5,500/mo
Property address5809 Hillside Rd, Crystal Lake, IL 60012
4 bed4 bath5,034 sq ft$1.09/SF
Leased Aug 1, 2024
Subject difference
  • 1,456 SF smaller
  • 0.5 fewer bathrooms
Research comparison noteSimilar size and features, slightly smaller lot
02Monthly rent$5,200/mo
Property address5905 Hillside Rd, Crystal Lake, IL 60012
5 bed5.5 bath3,932 sq ft$1.32/SF
Leased Jul 15, 2024
Subject difference
  • 2,558 SF smaller
  • 1 additional bedroom
  • 1 additional bathroom
Research comparison noteSmaller home, more bedrooms and bathrooms
Research findings & due diligence

What the research supports — and what is still worth verifying.

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

Still worth verifying

Routine buyer due diligence items; these are not known defects.

  • Confirm lot dimensions and boundaries
  • Verify septic system inspection and maintenance records
  • Evaluate condition and age of shake roof
  • Professional home inspection
  • Review property tax assessments and potential appeals
Highlights & features

What stands out about this property.

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
Research transparency

Sources & research confidence.

See where the property research came from and how confidence varies by field.

View sources & confidence
1
Zillow property listing for 665 Saddle RidgeView source
2
Compass listing for 665 Saddle RidgeView source
3
Homes.com property details for 665 Saddle RidgeView source
4
Estately listing for 665 Saddle Ridge TrailView source
5
Coldwell Banker listing for 665 Saddle Ridge TrailView source
6
AtProperties listing for 665 Saddle Ridge TrailView source
7
eXp Realty listing for 665 Saddle Ridge TrailView source
8
Zillow property listing for 661 Saddle RidgeView source
9
Redfin property listing for 732 Saddle RidgeView source
10
First Weber listing for 709 Saddle RidgeView source
11
Realtor.com listing for 5809 Hillside RdView source
12
Realtor.com listing for 5905 Hillside RdView source
Important: This analysis is AI-assisted and may contain inaccuracies. It is not a formal appraisal. Verify all critical facts with primary records, licensed professionals, and on-site inspection before making purchase decisions.