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20 W Old Elm Road, Lake Forest, IL 60045.
Adorable cottage style ranch offering charming curb appeal and comfortable, functional living space. The shake exterior, bay windows, and welcoming covered front porch create an inviting first impression. Inside, the open concept floor plan features hardwood flooring throughout and a seamless flow between the main living areas. The living room is anchored by a fireplace and opens to the spacious kitchen featuring a breakfast bar, abundant cabinetry, generous countertop space, and stainless steel appliances. A rear deck conveniently located off the kitchen provides the perfect setting for outdoor grilling. The separate dining area features a vaulted ceiling and skylight that fill the space with natural light. The primary suite offers two closets and en-suite bathroom with a double vanity and walk-in shower. Three additional bedrooms share a full hall bathroom. Adding to the property's appeal is a charming detached shed equipped with electricity and heat, offering a versatile space with potential for a home office, art studio, hobby room, or additional storage. Recent improvements include a new asphalt shingle roof (2022), new furnace (2024), and fresh interior and exterior painting (2026). With its charming cottage character, thoughtful floor plan, and unique workshop, this home offers a wonderful combination of comfort, functionality, and character. Northcroft Park is located directly across the street and Prairie Wolf Forest Preserve is just steps away!
MLS ID: 12781572
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20 W Old Elm Road, Lake Forest, IL 60045.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $619,000 | $619,000 | $619,000 |
| Down Payment | $123,800 | $21,665 | $154,750 |
| Monthly Mortgage Amount | $3,295 | $4,044 | $4,012 |
| Taxes | $861 | $861 | $861 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $273 | $0 |
| Monthly Estimated Total | $4,337 | $5,359 | $5,054 |
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