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Active Under ContractMLS #: 127319741 / 22Get an accurate number
Active Under ContractMLS #: 127319741 / 223 Beds · 2 Baths · 2,557 sq ft
$539,000
38W686 Ridgewood Lane, Elgin IL, 60124
Est. payment: $3,566/mo · 20% down, 30-year fixed at 6.95%, principal, interest, and taxes per the listing
Price per sq ft
$211
Built in
1971
Property size
2,557 sq ft
Lot size
0.94 acres
Property type
Detached Single
Listed by Marissa Hucek with eXp Realty - Chicago North Ave
Questions about this home: Nick Rife, Rife Realty, (815) 258-1471 or Nick@RifeRealty.com
Overview
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.
Location
38W686 Ridgewood Lane, Elgin IL, 60124
- Township
- Elgin
- County
- Kane
- Area
- Elgin
Interior
- Bedrooms
- 3
- Full bathrooms
- 2
- Total rooms
- 8
- Living area
- 2,557 sq ft (Assessor)
- Square footage notes
- Finished basement office, ideal for a home office, study, or flex space.
- Basement
- Partially Finished, Full
- Cooling
- Central Air
- Heating
- Natural Gas
Exterior and lot
- Construction
- Brick
- Lot size
- 0.94 acres (100x409.5)
- Garage spaces
- 2
- Parking
- Attached, Garage
- Total parking
- 2
Listing details
- MLS number
- 12731974
- Status
- Active Under Contract
- Property type
- Detached Single
- Year built
- 1971
- Town
- Elgin
- ZIP
- 60124
- Updated
- Aug 21, 2026
Estimate your payment
Term, years
Your monthly payment will be
$3,566
Principal, interest, and estimated taxes.
Loan $431,200 Down $107,800
- Principal and interest
- $2,854
- Property taxes (2025, per the listing)
- $712
Ballpark estimated payments for planning. Not a quote or a preapproval.
What this estimate includes
Principal, interest, and property taxes: the listing's reported bill when MRED has one, otherwise an estimate from typical corridor rates. Insurance and any PMI are not included, and this is not an offer of credit. Your real number depends on your credit, the lender, and the property.
Talk to Nick and he will connect you with one of his preferred lenders for a real figure.
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Listings courtesy of Midwest Real Estate Data (MRED) as distributed by MLS GRID.
Based on information submitted to the MLS GRID as of Sep 22, 2026, 2:14 AM CT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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