3527 S Riding Ridge, Elgin, IL 60124 (MLS # 12793748)

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PRICE $1,099,000 dsIDX morgage calculator
BEDS 5
BATHS 5.5
HOME SIZE 5,382 sqft
LOT SIZE 11,326 sqft

Over $1.3 MILLION invested in the construction and upgrades of this extraordinary Bowes Creek Country Club residence-and after three years of remarkably light use, it still shows like the day it was completed. Built in 2023 and occupied only by its original owner, this 5-bedroom, 5.1-bath home offers 5,382 sqft of beautifully finished living space, an extensive collection of builder and post-build enhancements, and a level of condition that truly feels brand new. Then there is the setting! The home overlooks a stunning panorama of ponds and the 7th hole of Bowes Creek's award-winning golf course, with water and fairway views showcased throughout the main living spaces. The open kitchen and family room flow into the sunroom, creating one expansive gathering space designed around the view. The gourmet kitchen features ceiling-height stacked cabinetry, quartz countertops, 6' island, tile backsplash, under-cabinet lighting and KitchenAid stainless appliances-including wall oven, microwave and gas cooktop. Remarkably, the oven, cooktop and dishwasher have never been used. A main-level fifth bedroom and full bath provide an ideal guest or multigenerational suite. Upstairs, the primary suite features a private 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 adds another dimension for entertaining with a wet bar, full bath and generous storage. Outside, the view becomes the experience. The expansive Trex deck features illuminated glass panels and integrated lighting, creating a striking vantage point over the ponds, golf course and open sky. Below, a paver patio with fire pit offers a second gathering space equally connected to the landscape. Morning coffee, sunset cocktails or evenings around the fire-this is the part of the home photographs simply cannot replicate. Zoned Sonos surround sound with iPad control on each level, 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-ready outlet complete an impressive list of enhancements. For the buyer considering new construction, this offers something difficult to duplicate: a virtually untouched 2023 Toll Brothers Luxury Builder home with more than $1.3M already invested, extensive upgrades already completed, and an irreplaceable golf-and-water setting-without starting from the ground up.

DAYS ON MARKET 1 LAST UPDATED 10/26/2026
TRACT Bowes Creek Country Club YEAR BUILT 2023
COMMUNITY Elgin GARAGE SPACES 3.0
COUNTY Kane STATUS Active
PROPERTY TYPE(S) Single Family

SCHOOLS
School District South Elgin High School
Elementary School Otter Creek Elementary School
Jr. High School Kenyon Woods Middle School
High School South Elgin High School


ADDITIONAL DETAILS
AIR Ceiling Fan(s), Central Air
AIR CONDITIONING Yes
APPLIANCES Dishwasher, Disposal, Dryer, Gas Cooktop, Microwave, Oven, Range Hood, Stainless Steel Appliance(s), Washer, Wine Refrigerator
AREA Elgin
BASEMENT Exterior Entry, Finished, Full, Storage Space, Sump Pump, Walk-Out Access, Yes
CONSTRUCTION Fiber Cement, Stone
EXTERIOR Fire Pit
FIREPLACE Yes
GARAGE Attached Garage, Yes
HOA DUES 553
INTERIOR Central Vacuum, Entrance Foyer, High Ceilings, Pantry, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar
LOT 0.26 acre(s)
LOT DESCRIPTION On Golf Course, Views
LOT DIMENSIONS 11326
PARKING Asphalt, Garage Door Opener, Electric Vehicle Charging Station(s), Attached, Garage
SEWER Public Sewer
SUBDIVISION Bowes Creek Country Club
TAXES 17694.1
VIEW Yes
VIEW DESCRIPTION Water
WATER Public
WATERFRONT Yes
WATERFRONT DESCRIPTION Waterfront
MORTGAGE CALCULATOR
   

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