$468,990

1068 N Camden Lane, South Elgin, IL 60177

Active
5 beds 3.5 baths 2,823 sqft (other) Built 1993 Residential MLS #MRD12623098 130 days on market
Listing courtesy of Baird & Warner · 847-381-1855 · MLS #MRD12623098 · Status: Active
BACK ON THE MARKET - AN OPPORTUNITY TO MAKE THIS POND-FRONT HOME YOUR OWN! Located in the highly sought-after St. Charles School District 303, this spacious 5-bedroom, 3.5-bath Churchill model in Sugar Ridge offers something renovations simply cannot create: a premium pond-front setting, no rear neighbors, a finished walkout basement, abundant living space and a desirable location. Set on one of Sugar Ridge's beautiful pond-front lots, the home backs to a peaceful nature pond, providing a private, picturesque backdrop from the backyard and large deck. With no rear neighbors, you'll enjoy a sense of privacy and open space that is truly special. Inside, vaulted ceilings and an open-concept design create a bright and welcoming atmosphere. A main-level bedroom offers flexibility for guests, a home office or a private retreat. The spacious eat-in kitchen features stainless steel appliances and opens to the family room, creating an easy flow for everyday living and entertaining. And then there's the lower level. The finished walkout basement offers an impressive 719 square foot finished recreation room plus a full bath-an extraordinary amount of flexible space for a home theater, game room, fitness area, office, guest retreat, playroom or entertainment space and 2,836 total square-foot overall . A finished walkout of this size is a rare opportunity at this price point. Major improvements have already been completed, including a new roof (2024), new water heater (2024), and new lower-level patio door with built-in blinds. Priced with updates in mind, this home gives its next owner the opportunity to personalize the finishes to their own taste rather than paying a premium for someone else's renovations. Bring your vision, make the space your own and create value over time while enjoying the features that cannot be changed-an exceptional pond-front lot, no rear neighbors, a walkout basement, tremendous living space and District 303 schools. Seller is willing to consider a credit toward closing costs or buyer-selected updates with an acceptable offer. If you've been waiting for a home with space, privacy, water views and the opportunity to create something special, this may be the opportunity you've been looking for.
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Property details

Interior

Appliances
Range, Microwave, Dishwasher, Refrigerator, Disposal, Humidifier
Interior features
Cathedral Ceiling(s), 1st Floor Bedroom, In-Law Floorplan
Fireplaces
0
Basement
Finished, Exterior Entry, Rec/Family Area, Storage Space, Full, Walk-Out Access
Laundry
Main Level, Gas Dryer Hookup, In Unit
Additional rooms
Breakfast Room, Foyer, Bedroom 5, Deck, Recreation Room, Utility Room-Lower Level, Walk In Closet
Total rooms
11

Building & exterior

Style
Traditional
Age
31-40 Years
Exterior
Vinyl Siding
Roof
Asphalt
Foundation
Concrete Perimeter
Windows
Shades
Patio & porch
Deck, Patio
Other structures
Shed(s)

Parking

Garage spaces
2
Total spaces
4
Parking details
Asphalt, Garage Door Opener, Yes, Other, Attached, Garage

Lot & location

Lot dimensions
76X108X100X45
Lot description
Landscaped
Township
St. Charles
County
Kane
Waterfront
Yes

Utilities

Heating
Natural Gas, Forced Air
Cooling
Central Air
Water
Public
Sewer
Public Sewer
Electricity
Circuit Breakers
Equipment
Water-Softener Owned, Ceiling Fan(s), Air Purifier

HOA & community

Assessment includes
None
Community features
Park, Lake, Curbs, Sidewalks, Street Lights, Street Paved

Schools

Elementary
Anderson Elementary School (303)
Junior high
Haines Middle School (303)
High school
St Charles North High School (303)

Taxes & terms

Annual taxes
$10,025 (2024)
Parcel number (PIN)
0903133011
PIN
0903133011
Ownership
Fee Simple
Possession
Closing
Special conditions
None
Listed
4/18/2026

Rooms

RoomSizeLevelFlooring
Breakfast Room10X7MainHardwood
Foyer12X8MainHardwood
Bedroom 510X9MainHardwood
Deck21X17Main
Recreation Rm28X36Walkout BasementCarpet
Utility Room-Lower Level26X16Walkout Basement
Walk In Closet6X6SecondCarpet
Bedroom 211X13SecondCarpet
Bedroom 312X11SecondCarpet
Bedroom 412X10SecondCarpet
Dining Room14X11MainWood Laminate
Family Room15X14MainHardwood
Kitchen10X8MainHardwood
Laundry10X5MainVinyl
Living Room12X12MainWood Laminate
Master Bedroom16X12SecondCarpet

What would this home cost per month?

Using this listing's actual tax bill (2024) — adjust anything.

Rates move daily — edit to today's quote. Under 20% down adds PMI automatically.

Estimated monthly payment
$0
Principal & interest
Property taxes
Insurance
PMI (under 20% down)
HOA / assessments

Estimates only — not a loan offer or quote; your rate, insurance and PMI depend on your credit and lender. Run other scenarios on the full mortgage calculator, or ask us to connect you with lenders our clients actually close with.

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