$1,099,000
- 5
- beds
- 5 full · 1 half
- baths
- 5,382
- sqft
- 2023
- year built
- 5
- beds
- 5 full · 1 half
- baths
- 5,382
- sqft
- 2023
- year built
- Status:
- Active
- MLS #:
- 12793748
- Neighborhood:
- Bowes Creek Country Club
- County:
- Kane
- Listed By:
- Matthew Kveton - Keller Williams Inspire
- Office Phone:
- (630) 262-9500
- Agent Email:
- mkveton@kw.com
Sponsoring Broker: Diane Glass, Berkshire Hathaway HomeServices Chicago
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.
Highlights
- Residential
- Single Family Residence
- Built in 2023
- 0.26 Acre Lot
- $553/yr HOA
- Waterfront
- 3 Car Garage
- 16 days on Market
-
- Bedrooms
- 5
-
- Bathrooms
- 5 full · 1 half
-
- Year Built
- 2023
-
- Construction Materials
- Stone, Fiber Cement
-
- Foundation
- Concrete Perimeter
-
- Garage Spaces
- 3.0
-
- Parking Features
- Attached, Garage Door Opener, Asphalt, Garage, Electric Vehicle Charging Station(s)
-
- Living Area
- 5382.0
-
- Interior Features
- Walk-In Closet(s), Vaulted Ceiling(s), Pantry, Wet Bar, Central Vacuum, High Ceilings, Entrance Foyer
-
- Appliances
- Dryer, Dishwasher, Microwave, Washer, Disposal, Gas Cooktop, Oven, Range Hood, Stainless Steel Appliance(s), Wine Refrigerator
-
- Flooring
- Carpet
-
- Exterior Features
- Fire Pit
-
- Patio And Porch
- Patio, Deck
-
- Security Features
- Security System
-
- Cooling
- Ceiling Fan(s), Central Air
-
- Basement
- Finished, Full, Walk-Out Access, Sump Pump, Storage Space, Exterior Entry
-
- Acres
- 0.26
-
- Lot Features
- Views, On Golf Course
-
- Water Front Features
- Waterfront
-
- Water Front
- Yes
-
- View
- Water
-
- Water
- Public
-
- Area
- Elgin
-
- County
- Kane
-
- City
- Elgin
-
- Neighborhood
- Bowes Creek Country Club
-
- Zip Code
- 60124
-
- High School
- South Elgin High School
-
- Middle School
- Kenyon Woods Middle School
-
- Elementary School
- Otter Creek Elementary School
-
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Price History
| 10/26/2026 | Listed | $1,099,000 |
| Source: Midwest Real Estate Data (MRED) #12793748 | ||
| 08/24/2026 | Off Market | — |
| Source: Midwest Real Estate Data (MRED) #12741709 | ||
Source: MLS Data
Deed History
| 08/07/2023 | Warranty Deed | $953,000 |
Source: Public records via Constellation Data Labs
Mortgage History
| 10/23/2024 | Conventional | $708,000 |
| 08/07/2023 | Conventional | $712,000 |
Source: Public records via Constellation Data Labs
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Frequently Asked Questions
How do I schedule a tour of 3527 S Riding Rdg?
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How do I get more information about 3527 S Riding Rdg?
Click Ask a Question to talk with our team. You already know it is a 5 bed, 5 bath, listed for $1,099,000. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Elgin, and can even get you in to see the property quickly.
How much is the monthly mortgage payment for 3527 S Riding Rdg?
With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 3527 S Riding Rdg at around $7,729. This includes estimated property taxes and insurance.
Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.
How do I get pre-approved to buy 3527 S Riding Rdg?
Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.
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Can I negotiate the asking price for 3527 S Riding Rdg?
In most cases, yes. Whether 3527 S Riding Rdg is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Elgin's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.
How do I make an offer on 3527 S Riding Rdg?
We can handle that for you. Our preferred local agent specializes in residentials in Elgin and can guide you through every step of the offer process.
You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.
What is the price per square foot for this home?
This home is listed at $1,099,000 with 5,382 sqft of space—that comes out to approximately $204 per square foot.
How long has this property been on the market?
3527 S Riding Rdg was listed on October 26, 2026, which means it's been on the market for 16 days.
Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.
When was this house built?
This home was built in 2023, making it approximately 3 years old.
What is the lot size of this property?
3527 S Riding Rdg sits on a 0.26-acre lot, which is 11,326 square feet.
What schools are assigned to this property?
Based on MLS info, this home is zoned for:
- Elementary: Otter Creek Elementary School
- Middle: Kenyon Woods Middle School
- High: South Elgin High School
Want to see how these schools compare? Check out our Kane County School Guide to see ratings, reviews, and more for the schools in the area.
What are the property taxes for 3527 S Riding Rdg?
The most recent public record shows annual property taxes for 3527 S Riding Rdg were approximately $17,694. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.
Is there an HOA fee for this property, and what does it cover?
This home has an HOA fee of $553 paid annually.
Is 3527 S Riding Rdg still available for sale?
Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.
Source: ez Home Search, MLS Data
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Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Midwest Real Estate Data (MRED). All rights reserved.
Last Updated: November 11, 2026 at 12:51PM | Source: Midwest Real Estate Data (MRED) | MLS#: 12793748
