$539,000

38W686 Ridgewood Lane, Elgin, IL 60124

Active Under Contract
3 beds 2 baths 2,557 sqft (assessor) Built 1971 Residential MLS #MRD12731974 9 days on market
Listing courtesy of eXp Realty - Chicago North Ave · 888-574-9405 · il.broker@exprealty.net · MLS #MRD12731974 · Status: Active Under Contract
Welcome to this beautifully maintained home in a quiet, highly desirable neighborhood where thoughtful updates and major improvements provide peace of mind for years to come. The new roof complements an extensive list of recent upgrades, including a Carrier HVAC system and water heater, both replaced in 2017. The sump pump with battery backup was replaced in 2024, along with a brand-new well and whole-home water filtration system. The home features Pella windows, replaced in 2017, with a transferable warranty. All appliances were replaced in 2025, including the dishwasher, oven, beverage refrigerator, microwave, and refrigerator. Both fireplaces have been converted to gas, adding warmth and convenience. Enjoy the outdoors with a pool replaced in 2019 and a brand-new liner installed this year. Three composite rear decks were also replaced, representing approximately $20,000 in improvements and creating the perfect setting for entertaining or relaxing. The driveway was completely torn out and replaced in 2021 and has been freshly seal coated. Inside, the upstairs bathroom was completely remodeled in 2018, while the kitchen was remodeled in 2013. Every major area of the home reflects pride of ownership and ongoing investment. The location is truly hard to beat-just minutes from Routes 90 and 20, while tucked away in a beautiful, peaceful neighborhood. Residents can also enjoy the neighborhood lake, which is maintained for neighbors and features a brand-new pier and benches. This is a home where extensive updates, outdoor enjoyment, and an exceptional location come together beautifully.

Property details

Interior

Basement
Partially Finished, Full
Additional rooms
Office
Total rooms
8

Building & exterior

Age
51-60 Years
Exterior
Brick

Parking

Garage spaces
2
Total spaces
2
Parking details
Yes, Attached, Garage

Lot & location

Lot dimensions
100x409.5
Township
Elgin
County
Kane

Utilities

Heating
Natural Gas
Cooling
Central Air
Water
Well
Sewer
Septic Tank

HOA & community

Assessment includes
None

Schools

Elementary
(46)
Junior high
(46)
High school
(46)

Taxes & terms

Annual taxes
$8,541 (2025)
Parcel number (PIN)
0606326015
PIN
0606326015
Ownership
Fee Simple
Possession
Closing
Special conditions
None
Listed
8/13/2026

Rooms

RoomSizeLevelFlooring
Office12X12Basement
Bedroom 212X14Second
Bedroom 312X14Second
Bedroom 4N/A
Dining Room12X10Main
Family Room15X15Main
Kitchen20X15Main
Laundry5X5Basement
Living Room15X16Main
Master Bedroom12X15Second

What would this home cost per month?

Using this listing's actual tax bill (2025) — 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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