Andaré at Woodlore Estates, Crystal Lake — True Cost
McHenry County | Crystal Lake | 105 homes | Newer construction | Homes $280K–$410K | HOA ~$200/mo
Andaré at Woodlore Estates is the smallest of the four Andaré communities in the Chicago market at 105 homes, but it sits in Crystal Lake — the one Andaré location with nearby Metra service. The Metra Union Pacific Northwest Line stops in Crystal Lake with service to downtown Chicago in approximately 65–75 minutes. Of the four Andaré communities, Huntley (Talamore) and Volo (Remington Pointe North) have no convenient train access. Algonquin (Glenloch) requires a longer drive to reach a station. Crystal Lake puts Metra within a short drive for buyers who want occasional Chicago access without committing to a car trip every time.
Monthly Cost Breakdown
| Cost Item | Est. Monthly (Low) | Est. Monthly (High) | Notes |
|---|---|---|---|
| HOA fee | $190 | $215 | Common areas, amenities; lawn is owner responsibility |
| Property tax | $513 | $752 | McHenry ~2.2%; on $280K–$410K homes |
| Lawn care | $65 | $115 | Owner responsibility |
| Homeowners insurance | $115 | $175 | Newer construction |
| Utilities | $175 | $265 | Not in HOA |
| Total monthly (excl. mortgage) | ~$1,058 | ~$1,522 |
McHenry County Tax by Home Value
| Purchase Price | Annual Tax Est. | Monthly |
|---|---|---|
| $280,000 | $6,160 | $513 |
| $320,000 | $7,040 | $587 |
| $365,000 | $8,030 | $669 |
| $410,000 | $9,020 | $752 |
10-Year Projection — $325K Home
| Cost Item | 10-Year Estimate |
|---|---|
| HOA fees (3% annual increase from $200/mo) | ~$27,700 |
| Property tax (~$7,150/yr) | ~$74,400 |
| Lawn care (~$88/mo) | ~$10,600 |
| Insurance (~$143/mo) | ~$17,200 |
| Utilities (~$215/mo) | ~$25,800 |
| Total non-mortgage cost (10 yr) | ~$155,700 |
Questions on Andaré at Woodlore Estates?
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