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12416 Harbor Oaks, Machesney Park, IL 61115

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For Sale

$499,900

3 beds • 3 baths • 1 half baths

Estimated Payment

$ 3,378 /mo. †

6.85% APR for 30 yrs.
$9,095 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • Basement
    Rooms

  • Fireplace
    Heating System

  • Fireplace
    Fireplace

Explore this Property

Welcome to this breathtaking California Modern river home, where contemporary artistic design meets stunning million-dollar river views. Set against the serene backdrop of the Rock River, this contemporary estate pulls in gorgeous panoramic views through the Low-E oversized picture windows. The 3/4 acre double lot offers towering oaks, 160 feet of river frontage, private concrete boat launch and massive 6-car garage. Brand new and never used $10,000 boat dock is included with the offering of this property. Nearly 3,000sqft of living space, all above ground, and each bedroom has its very own full bath. Constructed in 1996, this one-of-a-kind estate is completely enveloped in low-maintenance cement composite exterior. Perimeter block half-wall fencing, double black steel gates at street, enclosed grilling station at rear that's perfect for large gatherings, and matching storage structure at the boat ramp. Interior features expansive vaulted ceilings, monotone schemes, granite surfaces, open and airy living spaces in a consistently modern theme. 2 separate primary suites on main floor and an ensuite on second level. Upstairs loft/family room with built-ins would make an ideal space for a home office. First floor laundry. New septic tank installed 2021. Property has never flooded and seller currently pays $800/year for flood insurance. 12416 Harbor Oaks Drive is your opportunity to have the river home of your dreams located on one of the most popular stretches of the Rock River!
MLS# 202500435

Courtesy Of Signature Real Estate Brokerage, LLC

(815) 315-1111

Property Features

  • Amenities
    Patio, Water Front
  • Appliances
    Cooktop, Dishwasher, Dryer, Microwave, Refrigerator, Washer, Water - Softener
  • Architecture Style
    Other
  • Exterior Type
    Stucco
  • Fireplace
    Fireplace
  • Heating System
    Fireplace, Forced Air
  • Lot Size
    0.73 Acres
  • Rooms
    Basement, Kitchen
  • View Type
    River, Water

Map and Directions

Directions to 12416 Harbor Oaks, Machesney Park, IL 61115

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Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $2,621
  • Property Taxes
    $757
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $3,378

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Donald C Parker Early Education Center

Grades PK-KG Public School

Machesney Park, IL 61115 3.6 miles
808 harlem rd

554 total students

School Details

Ralston Elementary School

Grades 1-6 Public School

Machesney Park, IL 61115 1.6 miles
710 ralston rd

349 total students

School Rating: B

School Details

Harlem Middle School

Grades 7-8 Public School

Loves Park, IL 61111 4.7 miles
735 windsor rd

1013 total students

School Rating: C

School Details

Harlem High School

Grades 9-12 Public School

Machesney Park, IL 61115 2.7 miles
9229 n alpine rd

2004 total students

School Rating: D+

School Details
Other Nearby Schools Distance Type Grades School Rating
Olson Park Elementary School 2.3 miles Public 1-6 B-
Kinnikinnick School 2.6 miles Public 4-5 C+
Wcsec-intermediate Instruc Prgrm 2.8 miles Public
Stephen Mack Middle School 2.8 miles Public 6-8 B+
Veritas Christi Hybrid Academy 2.8 miles Private 5-12
Machesney Elementary School 3 miles Public 4-6 C-
Marquette Elementary School 3.3 miles Public 1-3 C-
Roscoe Middle School 3.3 miles Public 6-8 A+
Wcsec-soc Emtlnl Learn Found-middle School Program 3.3 miles Public
Walter Lawson Childrens Home 3.6 miles Private KG-12
Maple Elementary School 3.9 miles Public 1-6 D+
Rock Cut Elementary School 3.9 miles Public 1-6 D+
Summit Academy Taoep 4.1 miles Public 9-12
Summit Academy Alop 4.1 miles Public 9-12
Summit Academy Rssp 4.1 miles Public 6-11
Concordia Lutheran School 4.1 miles Private PK-5
Concordia Lutheran School 4.1 miles Private PK-5

Olson Park Elementary School

Distance: 2.3 miles

Type Public

Grades: 1-6

B-

Kinnikinnick School

Distance: 2.6 miles

Type Public

Grades: 4-5

C+

Wcsec-intermediate Instruc Prgrm

Distance: 2.8 miles

Type Public

Grades:

Stephen Mack Middle School

Distance: 2.8 miles

Type Public

Grades: 6-8

B+

Veritas Christi Hybrid Academy

Distance: 2.8 miles

Type Private

Grades: 5-12

Machesney Elementary School

Distance: 3 miles

Type Public

Grades: 4-6

C-

Marquette Elementary School

Distance: 3.3 miles

Type Public

Grades: 1-3

C-

Roscoe Middle School

Distance: 3.3 miles

Type Public

Grades: 6-8

A+

Wcsec-soc Emtlnl Learn Found-middle School Program

Distance: 3.3 miles

Type Public

Grades:

Walter Lawson Childrens Home

Distance: 3.6 miles

Type Private

Grades: KG-12

Maple Elementary School

Distance: 3.9 miles

Type Public

Grades: 1-6

D+

Rock Cut Elementary School

Distance: 3.9 miles

Type Public

Grades: 1-6

D+

Summit Academy Taoep

Distance: 4.1 miles

Type Public

Grades: 9-12

Summit Academy Alop

Distance: 4.1 miles

Type Public

Grades: 9-12

Summit Academy Rssp

Distance: 4.1 miles

Type Public

Grades: 6-11

Concordia Lutheran School

Distance: 4.1 miles

Type Private

Grades: PK-5

Concordia Lutheran School

Distance: 4.1 miles

Type Private

Grades: PK-5

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Machesney Park, IL 61115

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Machesney Park, IL 61115

This community’s employment is highest in the sales and food industries. The area’s overall household expenses are above the national average.

85° July
Hottest Average Month
11° January
Coldest Average Month
8,256 Total Households in Area
-1.2% Increase in population since the year 2010
30%
of households
have children
24 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Machesney Park, IL 61115

Machesney Park, IL 61115 has a population of 21,149 people in 8,256 households with a median age of 40.4 years old.

-1.2%
Decrease in population
since the year 2010
Population is Trending down
8,534
Total households as of 2010
0.4%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 40.4 years old. The smallest percentage group is 35-44 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 82%
Hispanic 8%
Black 4%
Other 3%
Asian 2%
Native American <1%
The most prevalent ethnicity is White at 82%, followed by Hispanic at 8%, Black at 4%, and Other at 3%.

Economics
for Machesney Park, IL 61115

1,674 /sq mi
Population Density
$72,155 /yr
Median Household Income
$170,000
Median Sales Price
24 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 22.66% of the households.

Transportation to Work

  • Drive 94%
  • Work from Home 5%
  • Walk or Bike 2%
  • Public Transit 0%

Occupancy by Type

Owned 6,367 73%
Rented 1,889 22%
Vacant 500 6%

White vs Blue Collar Jobs







White Collar 58%
Blue Collar 42%

Family & Education Facts
for Machesney Park, IL 61115

40.4 Median Age

Average Household Size

2.6
persons per
household

50.5%

Married Households

Community Population By Education

High School Graduate 37%
Some College 29%
Bachelors Degree 12%
Associates Degree 9%
Some High School 9%
Graduate Degree 5%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 36.64% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
29.9% of households have children

Weather
for Machesney Park, IL 61115

The weather for this area ranges from a high of 85° F in July to a low of 11° F in January

85° July
Hottest Average Month
11° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
11°
28°
Feb
15°
32°
Mar
25°
44°
Apr
37°
59°
May
48°
71°
Jun
57°
80°
Jul
62°
85°
Aug
60°
82°
Sep
52°
75°
Oct
40°
63°
Nov
29°
46°
Dec
17°
33°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Rockford Area MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is 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 being provided is 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.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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