321 Lake Ln Hillsboro IL 62049 | 3-Bedroom Lakefront Retreat on 5.6 Acres | $330,000

Property Overview

Lake Glenn Shoals · Hillsboro, Illinois

Discover a distinctive lakefront retreat at 321 Lake Ln in Hillsboro, Illinois, where a furnished single-family home, approximately 5.6 acres of land, a sandy beach, and access to Lake Glenn Shoals come together in one recreational property. With three bedrooms, two bathrooms, approximately 1,400 square feet of living space, and a beautiful lake view, this property offers an opportunity to enjoy weekends on the water, outdoor gatherings, and a quieter setting in Montgomery County.

The single-level home was built in 2001 and is described as fully furnished. Recent improvements include new windows, new vinyl plank flooring, and a roof installed in 2024. Additional features include a water softener, washer and dryer hookups, central air conditioning, ceiling fans, and a propane tank reported as recently filled.

Outside, the property features a level yard above the lake, a 20-by-18-foot carport, and additional electric and sewer hookups near the driveway for a camper. The access road and parking area leading toward the water have been re-rocked. Three annually leased lake lots, a sandy beach, a large dock, and an electric boat lift are described as part of the recreational offering; the exact lease terms and transfer arrangements should be confirmed before closing.

Interior Features

The home offers a practical single-level layout with three main-level bedrooms and two main-level bathrooms. Approximately 1,400 square feet of finished living area provides space for everyday living, overnight guests, and relaxed weekends at the lake.

New vinyl plank flooring and new windows are among the reported improvements. The interior also includes a water softener, washer and dryer hookups, central air conditioning, ceiling fans, and an unspecified heating system.

Appliances and furnishings

The property is advertised as fully furnished. The supplied feature information also identifies a dryer, freezer, microwave, electric oven, electric range, and refrigerator. Buyers should confirm the exact furniture, appliances, personal property, and other items included in the purchase agreement.

Exterior Features and Land

The approximately 5.6-acre parcel combines a lake-oriented setting with a substantial yard and additional outdoor space. The lot is described as having level areas, gentle slopes, views, and adjoining woodland. The open yard above the lake provides room for outdoor dining, gatherings, recreation, or future planning subject to applicable restrictions and approvals.

A 20-by-18-foot carport provides covered parking. Additional electric and sewer hookups are located near the driveway for camper use, subject to confirmation of their condition, capacity, and permitted use.

The parking area and road toward the lake have reportedly been freshly re-rocked. The residence has vinyl siding and an architectural-shingle roof, with the roof reported as installed in 2024.

Lakefront Recreation and Water Access

Lake Glenn Shoals is the defining recreational feature of this property. The listing describes a beautiful sand beach, a large dock, and an electric boat lift associated with three annually leased lake lots. These features create an appealing setting for boating, fishing, relaxing by the water, and hosting friends and family.

The City of Hillsboro identifies Glenn Shoals Lake as a recreational, sport-fishing, and water-supply reservoir. Public facilities include boat-launch ramps, a marina, a kayak launch, a fishing dock, and picnic areas. The city states that watercraft require permits, with rules and operating limits varying by location and watercraft type.

Sources: City of Hillsboro — Glenn Shoals Lake and lake-lot information; City of Hillsboro — 2025 Seasonal Lake Lot License Agreement.

Structure, Construction and Property Condition

• Property type: Single-family residence.
• Year built: 2001.
• Stories: One.
• Interior area: Approximately 1,400 square feet.
• Exterior material: Vinyl siding.
• Roof: Architectural shingles; installation reported in 2024.
• Basement: None reported.
• Fireplace: None reported.
• Cooling: Central air conditioning and ceiling fans.
• Heating: Heating is reported, but the system type has not been specified.
• Parking: One carport space reported.

Buyers should independently assess the roof, windows, flooring, foundation, grading, dock, boat lift, driveway, shoreline, and all mechanical systems. The reported improvements are not a substitute for a professional inspection or verification of permits and warranties.

Utilities and Property Infrastructure

The supplied property information identifies a private well, septic tank, connected electricity, a water softener, and a grinder installed on the septic system. A propane tank is reported as recently filled, although the home’s precise heating fuel and appliance configuration should be confirmed.

The additional electric and sewer hookups near the driveway are described as suitable for a camper setup. Their availability for the intended use should be confirmed with the relevant utility providers and applicable authorities.

The City of Hillsboro operates a municipal water system that uses water from Glenn Shoals Lake and Old Hillsboro Lake. That municipal service information does not establish that this particular residence is connected to public water. The listing instead identifies a private well.

Sources: City of Hillsboro Water Department; Montgomery County GIS Office.

Area Overview: Hillsboro and Montgomery County

Hillsboro is the county seat of Montgomery County in central Illinois. The area offers a small-city setting with local schools, healthcare services, public parks, shopping, municipal facilities, and lake-oriented recreation.

The U.S. Census Bureau’s 2020 Census recorded 5,902 residents in Hillsboro. Its July 2025 population estimate was 6,184. Montgomery County had an estimated 28,076 residents in July 2025. These figures provide context for the surrounding community and are not estimates of the immediate lake neighborhood.

Lake Glenn Shoals and the older Hillsboro Lake are important regional recreational resources. The city documents boating, fishing, camping, marina facilities, and other outdoor activities associated with the lakes. The broader area is suited to buyers interested in a small-town base and access to outdoor recreation.

Sources: U.S. Census Bureau — Hillsboro QuickFacts; U.S. Census Bureau — Montgomery County QuickFacts; City of Hillsboro official website.

Safety and Crime Information

Prospective buyers can consult official crime-reporting resources to evaluate reported offenses within the appropriate jurisdiction. The Illinois State Police publishes its annual Uniform Crime Report, which covers reported crime in Illinois cities and counties. The correct jurisdiction, reporting agency, and year should be checked when interpreting any figures for this property.

A verified, comparable multi-year crime series specific to the immediate Lake Glenn Shoals area was not established in the sources reviewed for this listing. No property-level crime rate, neighborhood safety score, or numerical crime trend is therefore asserted here. Citywide or countywide data, when obtained, should not be interpreted as a measurement of crime at this individual address.

For a more complete assessment, buyers can review the applicable Hillsboro Police Department records, Illinois State Police annual reports, and available FBI crime data. They should check reporting periods, geographic boundaries, and whether figures refer to reported offenses, arrests, or another measure before comparing statistics.

Sources: Illinois State Police — Crime in Illinois Annual Uniform Crime Report; FBI — Uniform Crime Reporting resources; City of Hillsboro — official municipal resources.

Schools and Education

Hillsboro Community Unit School District No. 3 serves Hillsboro and surrounding communities. Its official school directory lists Hillsboro High School, Hillsboro Junior High School, Beckemeyer Elementary, and early-childhood programming.

These institutions provide a starting point for researching local education options. The exact school attendance assignment for 321 Lake Ln has not been independently established by a verified address-specific boundary record. Buyers should confirm the current elementary, junior-high, and high-school assignments with the district rather than relying on distance or ZIP code alone.

Families should also review current enrollment policies, transportation arrangements, program availability, calendars, and school information directly with the district.

Sources: Hillsboro Community Unit School District No. 3 — Schools; Official district website; Illinois State Board of Education.

Healthcare and Hospitals

Hillsboro Health is a local healthcare resource with its main hospital at 1200 East Tremont Street in Hillsboro. Its published services include emergency care, inpatient care, imaging, therapy, primary care, and specialty services. The hospital’s official location page states that its emergency department is available around the clock.

The healthcare system also lists a primary-care clinic, specialty clinics, and therapy services. Buyers should consult its current directory for providers, services, appointments, and operating details. No travel time from the property is claimed here.

For urgent or emergency medical needs, confirm the appropriate facility and services directly. The existence of a nearby healthcare facility does not guarantee that every specialty or treatment is available on site.

Sources: Hillsboro Health — Locations and services; Hillsboro Health — Main hospital and emergency care; Illinois Hospital Report Card — Hillsboro Area Hospital.

Historical Housing Market

Zillow Research publishes a housing-value measure known as the Zillow Home Value Index, or ZHVI. The index estimates typical home values for a defined geography and housing category; it is not the same as a median closed-sale price or a valuation of an individual lakefront property.

Zillow’s Hillsboro, Illinois market page reported a typical home value of $149,368 as of August 31, 2026, with a reported 11.9% year-over-year increase. This is a broad city-level indicator, not a lakefront-property valuation or a prediction of future appreciation.

A consistent five-year historical series with verified annual values and a matching housing category was not independently extracted for this listing. Accordingly, no fabricated historical values or calculated five-year appreciation rate are presented. Buyers evaluating this property should compare recent closed sales of lakefront homes, acreage properties, and recreational properties with similar water access, lease arrangements, condition, and improvements.

General citywide indexes can differ substantially from waterfront properties because of differences in land, shoreline access, docks, recreational improvements, and the legal status of leased lake lots. A property-specific comparative market analysis is the more appropriate basis for evaluating comparable transactions.

Sources: Zillow — Hillsboro, Illinois Home Values; Zillow Research — Housing Data and ZHVI methodology; Federal Housing Finance Agency — House Price Index.

Transportation and Regional Access

Hillsboro is located in central Illinois, between the Springfield and St. Louis regions. Regional travel is generally oriented around the area’s state and local highway network, with access depending on the route selected from the property.

The exact driving distance to major highways, airports, and regional destinations has not been independently calculated for this listing. Buyers should use a current navigation service to assess routes, travel times, road conditions, and seasonal considerations for trips to work, shopping, healthcare, and recreation.

Public transit service and the availability of commuter transportation at this specific address were not verified. Buyers who rely on public transportation should confirm current routes, schedules, service boundaries, and pickup availability with the relevant provider.

Sources: Illinois Department of Transportation; Getting Around Illinois — transportation maps and resources; Google Maps — route and distance research.

Shopping and Everyday Services

Hillsboro provides the principal local service center for the surrounding lake area. The city and county maintain official directories and community resources that can help buyers locate local businesses, municipal services, and other everyday necessities.

Specific grocery-store locations, pharmacies, banks, fuel stations, restaurants, and their distances from the property were not independently verified as a complete address-specific list. Buyers should confirm current locations and business hours before relying on a particular service for regular needs.

For residents planning frequent trips to town, it is worth evaluating the drive to grocery shopping, pharmacies, hardware supplies, medical appointments, and other routine destinations during a property visit.

Sources: City of Hillsboro — municipal and community resources; Hillsboro Chamber of Commerce; Google Maps — business and location search.

Parks, Trails and Recreation

Outdoor recreation is a major feature of the Hillsboro area. In addition to Lake Glenn Shoals, the city maintains information about Hillsboro Lake, public parks, campground facilities, and recreational trails.

Challacombe Park and Central Park are connected by a paved trail approximately 1.25 miles long, completed in 2025 according to the city’s parks information. The trail includes bridges, landscaping, seating, and access to the city’s dog park. Central Park also lists playground equipment, picnic facilities, public restrooms, a ball diamond, and pickleball courts.

Glenn Shoals Lake offers public boat launches, a marina, fishing access, and picnic areas. The city also describes Sherwood Forest Campground and the Oo-De-Lally mountain-bike and mixed-use trail near Hillsboro Lake.

Lake-related activities are subject to applicable permits, lake rules, seasonal operations, and facility availability. Public recreation facilities should be distinguished from the privately used or licensed lake lots associated with the property.

Sources: City of Hillsboro — Parks and Recreation; City of Hillsboro — Glenn Shoals Lake, Hillsboro Lake, and marina; Illinois Department of Natural Resources — Glenn Shoals Lake fishing information.

Utilities and Internet Connectivity

The property information identifies a private well and septic tank, along with electricity connected to the property. Buyers should confirm the well’s condition and water quality, septic-system age and capacity, grinder-pump operation, permits, maintenance history, and suitability for the intended occupancy.

The City of Hillsboro publishes municipal water information and consumer-confidence reporting. Because the property is identified as having a private well, municipal water availability elsewhere in Hillsboro should not be interpreted as evidence that city water serves this parcel.

Internet availability is especially important for a lake retreat used for remote work or extended stays. The FCC National Broadband Map allows address searches for reported internet providers, technologies, and advertised speeds. General citywide coverage is not proof of installable service at this property.

Electric service details, natural-gas availability, trash collection, cellular reception, broadband options, and any future connection charges should be confirmed with the relevant providers. The property information does not establish a specific internet provider, fiber connection, or natural-gas service.

Sources: City of Hillsboro Water Department; Federal Communications Commission — National Broadband Map; FCC — How to check broadband availability.

Development and Planning

The City of Hillsboro publishes council agendas, public works information, municipal planning records, and development-related notices. A June 2026 city council agenda included waterline replacement matters involving Broad Street and Seward Street, as well as zoning-map and jurisdiction-map work.

These agenda items document municipal infrastructure and planning activity but do not establish a direct impact on 321 Lake Ln. No specific proposed or approved development project affecting the immediate property vicinity was independently confirmed in the sources reviewed for this listing.

Buyers interested in future land use, nearby construction, shoreline conditions, or possible changes to the surrounding area should consult current planning records, zoning maps, council agendas, and applicable lake or watershed documents. An agenda item, proposed application, approval, and completed project represent different stages and should not be treated as interchangeable.

Sources: City of Hillsboro — official municipal website; Hillsboro City Council — June 2, 2026 agenda; Montgomery County GIS and mapping resources.

HOA, POA and Community Due Diligence

The supplied property information identifies no homeowners association. No mandatory HOA or POA relationship specific to the residence was independently established from the public sources reviewed. This should not be interpreted as confirmation that no recorded covenants, lake-use rules, licenses, or other property-related obligations apply.

The most significant documented community-related consideration is the reported arrangement for three annually leased lake lots. The City of Hillsboro publishes a seasonal lake-lot license agreement for recreational use of city-owned land at Glenn Shoals Lake. This arrangement is distinct from an HOA and does not itself establish ownership of the licensed lots.

Lake-lot license fees and renewal

The city’s published 2025 seasonal lake-lot agreement lists annual license fees of $195 per lot for qualifying city residents or adjacent landowners, $250 per lot for Montgomery County residents, and $300 per lot for people residing outside Montgomery County. The agreement also specifies a $200 security deposit per lot. These are published 2025 schedule amounts, not independently verified current charges or a confirmed statement of what the buyer would pay for the three lots.

The agreement describes licensing as renewable annually at the city’s discretion. It also identifies a defined use period for seasonal licenses and provisions concerning structures, docks, storage, maintenance, guest conduct, and removal of personal property. The applicable terms may differ for an adjoining landowner agreement, so the exact agreement governing each of this property’s three lake lots must be obtained and reviewed.

Because a lake-lot license is not necessarily transferable with a real-estate sale, buyers should obtain written confirmation from the city concerning renewal, eligibility, current fees, security deposits, the identity and location of the lots, and any requirements for the dock or electric boat lift.

Restrictions, amenities and additional charges

The city’s published lake-lot rules address such matters as structures, dock approvals, storage, property maintenance, signs, and pet control. These are rules associated with the city’s lake-lot licensing program, not evidence of an HOA governing the residence itself. The exact agreement and applicable city ordinances should be checked before assuming that any particular rule applies to each licensed lot.

The listing describes a sandy beach, dock, and electric boat lift. Buyers should verify the permitted location, ownership, condition, safety, and approval status of these improvements. Public marina facilities and boat-launch areas are separate amenities and do not automatically confer private rights to the owner.

The city also publishes separate boating-permit fees. Watercraft permits, lake-lot license charges, security deposits, and any required approvals should be treated as distinct obligations rather than as HOA dues.

Association financials and property obligations

No property-specific HOA budget, reserve study, association financial statement, or HOA special-assessment statement was established in the sources reviewed. The city’s lake-lot license should not be confused with a homeowners association budget or assessment.

Before closing, buyers should confirm recorded covenants, easements, shoreline and lake-access rights, current lake-lot agreements, dock and boat-lift approvals, renewal terms, taxes, outstanding charges, and any property-specific transfer obligations. The Montgomery County Clerk and Recorder provides access to land-record search resources, which can assist with verification of recorded documents.

Sources: City of Hillsboro — Lake Glenn Shoals and lake-lot resources; City of Hillsboro — Seasonal Lake Lot License Agreement; City of Hillsboro — Permits and Fees; Montgomery County Clerk and Recorder — Land Records; Montgomery County GIS Office.

Buyer Considerations

This property combines acreage, a furnished home, lake views, and recreational access in a setting that may appeal to buyers looking for a weekend retreat or a full-time residence with outdoor space. Its leased lake lots add an important dimension to the offering, but their terms should be treated as a separate part of the purchase investigation.

Before making an offer, buyers should consider the following:

• Confirm the legal boundaries, acreage, parcel descriptions, and relationship between the residence and the three lake lots.
• Verify the continuation or transfer of each lake-lot license, applicable annual fees, renewal eligibility, and dock and boat-lift approvals.
• Inspect the well, septic system, grinder pump, electrical system, propane equipment, roof, windows, and other major components.
• Confirm the contents included in the furnished sale and the condition of appliances and personal property.
• Verify the legality and capacity of the camper hookups and any intended additional building site.
• Check applicable flood information, shoreline conditions, access rights, easements, zoning, and permits with the appropriate authorities.
• Confirm school assignments, internet availability, local services, property taxes, and insurance requirements.

Property Summary

For buyers seeking a lake-oriented property with acreage, a furnished home, and room for outdoor recreation, this Hillsboro retreat offers a distinctive combination of residential space and access to Glenn Shoals Lake. Verification of the leased lake lots, property systems, and applicable permissions will be important in understanding the full scope of the purchase.