See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

1419 Ridge Rd, South Elgin, IL, 60177

3beds
4baths
1,734sqft
$400,000
$231price/sqft
$3,034/moest. monthly cost
$121,360/yrincome needed

About This Home

** Welcome to 1419 Ridge Rd., a spacious and inviting 3-bedroom, 3.5-bath home perfectly situated on a desirable corner lot in South Elgin. Offering generous living space, a finished basement, and an oversized backyard, this home provides the flexibility and comfort today's buyers are looking for. Step inside to a welcoming floor plan with plenty of room for everyday living and entertaining. The spacious bedrooms offer comfortable retreats, while the finished basement provides valuable additional living space and a full bath(included in the 3.5 bathroom count)-perfect for a recreation room, home office, media area, gym, guest space, or whatever suits your lifestyle. Step outside and discover one of this home's standout features: a **huge backyard with a spacious deck**, creating the perfect setting for summer gatherings, outdoor dining, entertaining, gardening, or simply relaxing and enjoying the extra space. The corner-lot location adds to the home's appeal and outdoor versatility. Recent updates provide added peace of mind, including ** windows (2017), roof (2017), HVAC system (2014), and water heater (2025)**. The **2-car garage** provides convenient parking and additional storage. And there's more! The seller is offering a **2% credit toward the buyer's allowable closing costs and prepaid expenses with an acceptable offer**, subject to lender approval and the terms of the purchase contract. Located near shopping, dining, parks, schools, transportation, and major roadways, this home offers both convenience and comfortable suburban living. **Great space. Great updates. Great outdoor living. Plus a seller incentive that can help make homeownership even more attainable. Schedule your private showing today!**

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

7/10
7/10
4/10
South Elgin High SchoolGrades 9-122.1 mi

Construction

Materials

  • Roof: Asphalt
  • Construction materials: Aluminum Siding,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Dishwasher,Refrigerator
  • Laundry features: Common Area

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 119
  • Dimensions: 17X7

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 110
  • Dimensions: 11X10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Bonus Room

  • Features: Flooring (Ceramic Tile)
  • Level: Basement
  • Area: 154
  • Dimensions: 14X11

Deck

  • Level: Main
  • Area: 165
  • Dimensions: 15X11

Dining Room

  • Features: Flooring (Laminate)
  • Level: Main
  • Dimensions: COMBO

Family Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 216
  • Dimensions: 12X18

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,734 sqft

Kitchen

  • Features: Kitchen (Eating Area-Table Space),Flooring (Laminate)
  • Level: Main
  • Area: 216
  • Dimensions: 12X18

Living Room

  • Level: Main
  • Area: 168
  • Dimensions: 21X8

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full)
  • Level: Second
  • Area: 140
  • Dimensions: 14X10

Recreation Room

  • Features: Flooring (Ceramic Tile)
  • Level: Basement
  • Area: 144
  • Dimensions: 18X8

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0628478008
  • Special condition: None
  • Other equipment: Ceiling Fan(s)

Features

  • Stories: 2

Lot

  • Lot size: 6,542 sqft
  • Lot size dimensions: 106x74

Parking

  • Total spaces: 2
  • Parking features: Concrete,Yes,Garage Owned,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
Lightning

FEMA Declared Disasters Across Illinois Counties

Flood

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,022$24,264
Home Insurance *$153$1,836
Property Taxes $726$8,712
Electricity $133$1,600
Total$3,034$36,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,022/yr
40% on housing$91,020/yr
45% on housing$80,906/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 60177$199
Kane County$212

vs Homes Sold Last Month

Median $/sqft

ZIP 60177$218
Kane County$207

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2001-01-22Sold$187,000
1996-07-02Sold$153,500

For Sale by Agent

AgentTyreeta McMahan
BrokerageCharles Rutenberg Realty

Similar Homes