Welcome home to 21 Thatcher Lane in the picturesque Galena Territory! Enjoy peace and quiet in all four seasons in this quaint & cozy townhome. This settlement home includes the most sought-after Rawlins floorplan which offers: full-time living; weekend getaway; or utilization of the current Jo Daviess County Guest Accommodation license for Short-Term Rentals (STR). The best of all worlds…a getaway when you can & a Short TR when you’re busy to help offset the cost of ownership. Either way, you’ll have the convenience of an HOA (*which covers all exterior, except glass) as a wonderful turnkey investment property. The Settlement home features a bedroom a full bathroom on each of its’ two floors, ideal for privacy amongst friends or family. The main level features: an open kitchen with pantry + dining combination for gatherings of meals & games; a cozy living room with a brick wood-burning fireplace; the bedroom & full bathroom; access to the back deck (new composite boards); & an outdoor attached storage shed (for outdoor toys, bikes, deck furniture & BBQ accessories). The upper-level features: an ideal primary bedroom suite with vaulted ceiling; a full bathroom; a large double door closet; & a separate laundry closet (with full-size washer/dryer included). Of note, high speed fiberoptics is available! Whether it’s work, gaming or streaming, no worries! Prior to several January 2025 updates, this property has been very well maintained while always retaining its’ original charm! As referenced, please see below for January 2025 updates (which includes all new carpeting). Kitchen: stainless-steel appliances; countertops; undermount sink; & a kitchen island table & stools. The 2nd floor bathroom: shower; & fresh paint. Exterior: front storm door (March 2025). Coming this Spring, the HOA/ERTA will be planting fresh shrubs & flowers around 21 Thatcher. After a day on the golf course, Lake Galena, chilling at the Owner’s Club or shopping in Galena, it’s time to enjoy your private back deck (long lasting composite) on this well positioned end unit & watch the sunset, grill up your favorites & kick back for the evening. While staying in this delightful cottage, take full advantage of ALL The Galena Territory has to offer. There is something for everyone to enjoy! From the nearby paved asphalt trail leading to the Owner’s Club’s many amenities (Including indoor & outdoor pools) to the pickleball, basketball & tennis courts! There is also a state-of-the-art fitness center, a business office, rooms available to rent for special occasions & 24/7 security. Our beautiful Lake Galena sparkles with its’ new Marina & Pavilion while the lake itself offers outstanding fishing, pleasure boating, kayaking & canoeing. There are 20+ miles of nature trails to guide you as you explore over 1500 acres of greenspace. The Shenandoah Riding Center is a very popular amenity for equestrian enthusiasts! In addition, within The Galena Territory’s 6,800 acres, Eagle Ridge Resort & Spa owns & operates an 80 room Inn which features four golf courses (including the famed General), the Country Store, the Highlands & Woodlands restaurants & the Stonedrift Spa. Your $350 monthly HOA covers siding, roofing, decking, lawncare, snow removal & trash. The Galena Territory Annual Association dues are $1,360. For your peace of mind, a 1 yr. home warranty is being offered. Furnishings with noted exclusions are included in the sale with exclusions. Average monthly utility, Electric $185, Water $100. The Seller is an IL Licensed Realtor with no relation to the listing Broker.