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Active - House for sale

South Elgin, IL

5 bds|3 bth + 1 half|2,823 sqft

Facts & features

House Property type
1993 Year built
$166 Price/Sqft.
2 car garage Parking
6,621 sqft Lot size

Why you’ll love it

Pond front home and sunrise views. 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.

Translating description...

Listings courtesy of Baird & Warner as distributed by MLS GRID.

Listed by: Kimberly Osko • Baird & Warner

Co-listed by: Michael Angelo Herrera • Baird & Warner

Source: MRED as distributed by MLS GRID, MLS#: 12623098 MRED as distributed by MLS GRID logo

Based on info available as of Nov 14, 2026 at 8:11 AM EST.

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Affordability

$305,000$635,000
1%20%
0%90%
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Estimated monthly payment

$3,207/mo

  • Mortgage$2,371
  • Property tax$835
  • HOA fee
  • Homeowners insurance
Due at closing$372,847
Down payment held in escrow$93,798
Closing costs$7,035
beycome credit Est.$9,380

Beycome estimates only. Actual amounts and terms vary by lender and location.

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$9,380 Credit back

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Travel times

About Sugar Ridge

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This local overview has been generated by Artur AI, for informational purposes only. Please verify all details independently before relying on it.

Flood & climate risk

FEMA Flood Zone X

Outside the high-risk Special Flood Hazard Area — flood insurance is usually optional but still worth considering.

More details

Source: FEMA National Flood Hazard Layer. Confirm on the FEMA Flood Map.

Disclaimer

Midwest Real Estate Data (MRED) All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of the Multiple Listing Service. Real estate listings held by brokerage firms other than Midwest Real Estate Data may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. Copyright ©2026 All rights reserved. Based on information submitted to the MLS GRID as of Nov 14, 2026 at 08:11am EST. 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.

$468,990 Listed price

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$9,380 Credit back

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