$1,199,000

3527 S Riding Ridge, Elgin, IL 60124

Active
5 beds 5.5 baths 5,382 sqft (assessor) Built 2023 Residential MLS #MRD12741709 1 days on market
Listing courtesy of Keller Williams Inspire · 630-262-9500 · carriegarstecki@etopsuccess.com · MLS #MRD12741709 · Status: Active
This is what "like new" is supposed to mean! Just 3 years old, impeccably maintained, and so lightly lived in that it feels virtually untouched, this extraordinary home shows as though the keys were just handed over from the builder. And then there's THE VIEW. Photos simply cannot capture the experience of seeing the ponds and golf course unfold behind the home-you truly have to see it in person to appreciate just how special this property is. Set against a remarkable backdrop of ponds and the 7th hole of Bowes Creek Country Club's award-winning golf course, this 2023 residence pairs an extraordinary setting with 5,382sqft of beautifully finished living space. 5 bedrooms, 5.1 baths and an extensive collection of builder and post-build enhancements create a home that feels distinctly custom. Just as noteworthy is its condition: remarkably lightly lived in and meticulously cared for by its original owner, the home retains the look and feel of a brand-new residence. At the heart of the home, the open kitchen and family room flow effortlessly into the sunroom, creating an expansive living space framed by beautiful water and golf course views. The gourmet kitchen is finished with ceiling-height stacked cabinetry, quartz countertops, a 6' island, tile backsplash, under-cabinet lighting and KitchenAid stainless appliances, including wall oven/microwave and gas cooktop. A main-level fifth bedroom with full bath offers a private and versatile space for guests or multigenerational living. Upstairs, the primary suite is a retreat of its own, with a sitting room, tray ceiling, dual walk-in closets with custom organization and a beautifully appointed bath with separate shower and soaking tub. The finished walkout lower level extends the home's living and entertaining space with a wet bar, full bath and generous storage. The outdoor spaces are every bit as compelling as the interior. An impressive Trex deck with illuminated glass panels and integrated lighting seemingly floats above the landscape, preserving sweeping views across the ponds, golf course and open sky. Below, a paver patio and fire pit offer a more intimate setting while remaining connected to the view. Whether enjoyed in the quiet of the morning or illuminated in the evening, the setting is one that photographs simply cannot fully capture. Thoughtful enhancements continue throughout with zoned Sonos surround sound and iPad control, whole-house audio/TV connectivity, smart blinds, central vacuum, zoned HVAC, custom closets, 7-camera security, upgraded oak staircase with iron balusters, epoxy garage flooring and EV charger. Nearly new in condition yet extensively enhanced beyond its original build, this is a rare convergence of scale, Toll Brothers craftsmanship, technology and an irreplaceable golf-and-water setting in Bowes Creek Country Club.

Property details

Interior

Appliances
Microwave, Dishwasher, High End Refrigerator, Washer, Dryer, Disposal, Stainless Steel Appliance(s), Wine Refrigerator, Range Hood, Gas Cooktop, Oven
Interior features
Vaulted Ceiling(s), Wet Bar, 1st Floor Bedroom, 1st Floor Full Bath, Walk-In Closet(s), High Ceilings, Separate Dining Room, Pantry, Quartz Counters
Flooring
Carpet
Fireplaces
1
Fireplace details
Gas Log
Basement
Finished, Exterior Entry, 9 ft + pour, Rec/Family Area, Storage Space, Full, Walk-Out Access
Laundry
Upper Level, Gas Dryer Hookup, In Unit, Sink
Additional rooms
Bedroom 5, Eating Area, Sitting Room, Heated Sun Room, Family Room, Foyer, Utility Room-Lower Level, Storage
Total rooms
13

Building & exterior

Age
1-5 Years
Exterior
Stone, Fiber Cement
Exterior features
Fire Pit
Roof
Asphalt
Foundation
Concrete Perimeter
Windows
Blinds
Patio & porch
Deck, Patio
Exposure
West

Parking

Garage spaces
3
Total spaces
3
Parking details
Asphalt, Garage Door Opener, Electric Vehicle Charging Station(s), Yes, Garage Owned, Attached, Garage

Lot & location

Lot dimensions
11326
Lot description
On Golf Course, Views
Township
Plato
County
Kane
Waterfront
Yes

Utilities

Heating
Natural Gas
Cooling
Central Air
Water
Public
Sewer
Public Sewer
Electricity
Service - 400 Amp or Greater
Equipment
Central Vacuum, Security System, Fire Sprinklers, CO Detectors, Ceiling Fan(s), Sump Pump, Radon Mitigation System

HOA & community

Assessment
$553 / annually
Assessment includes
Other
Community features
Park, Lake, Curbs, Sidewalks, Street Lights, Street Paved

Schools

Elementary
Otter Creek Elementary School (46)
Junior high
Kenyon Woods Middle School (46)
High school
South Elgin High School (46)

Taxes & terms

Annual taxes
$17,694 (2025)
Parcel number (PIN)
0536279013
PIN
0536279013
Ownership
Fee Simple w/ HO Assn.
Possession
Closing
Special conditions
List Broker Must Accompany
Listed
9/5/2026

Rooms

RoomSizeLevelFlooring
Bedroom 514X11MainLuxury Vinyl
Eating Area14X9MainLuxury Vinyl
Sitting Room12X8SecondCarpet
Heated Sun Room18X9MainLuxury Vinyl
Family Room - Down41X23Walkout BasementCarpet
Foyer19X10MainLuxury Vinyl
Utility Room-Lower Level29X17Walkout BasementOther
Storage18X10Walkout BasementOther
Bedroom 213X11SecondCarpet
Bedroom 313X11SecondCarpet
Bedroom 413X11SecondCarpet
Dining Room12X11MainLuxury Vinyl
Family Room17X17MainLuxury Vinyl
Kitchen18X14MainLuxury Vinyl
Laundry10X6SecondLuxury Vinyl
Living Room14X12MainLuxury Vinyl
Master Bedroom21X14SecondCarpet

What would this home cost per month?

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

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🏠 This home is in Bowes Creek Country Club — see the community's listings, sold prices, and market stats.

Recently sold nearby

AddressBeds / BathsSoldPrice
3545 S Riding Ridge 4 bd / 3 ba May 2026 $585,000
3543 Crosswater Court 4 bd / 2.5 ba Jun 2026 $560,000
3534 Crosswater Court 3 bd / 2 ba Aug 2026 $750,000
3556 Crosswater Court 3 bd / 4 ba Jun 2026 $740,000

Sold data courtesy of MRED as distributed by MLS GRID; properties may be listed or sold by various participants in the MLS.

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4 bd · 4.5 ba · 3,502 sqft
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Listings courtesy of MRED as distributed by MLS GRID. MLS GRID

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