$477,500
PENDING

655 S Haverhill Ln South Elgin, IL 60177

Estimated payment $3,416/month

Total Views 119
4 Beds
2.5 Baths
2,749 Sq Ft
$174 Price per Sq Ft

Highlights

  • Above Ground Pool
  • Deck
  • Formal Dining Room
  • Anderson Elementary School Rated A
  • Recreation Room
  • Stainless Steel Appliances

About This Home

Step inside and be impressed by this super clean, impeccably maintained, one-owner home! The whole house has been freshly painted and has all new luxury vinyl plank flooring throughout. With four beds on the second floor PLUS a loft, as well as a 5th legal bedroom in the basement (currently being used as an office) - this home has room for everyone! This Cumberland model is one of the largest homes in River Ridge, and sits on one of the biggest lots. This home offers an abundance of greenspace views with no backyard neighbors (it's large enough that the current owners used to play softball and do batting practice out there)! Enjoy the recently updated kitchen with quartz countertops, subway tile backsplash and all BRAND NEW SS appliances. Clothes Washer '25, Sump Pump '25, Water heater '19, Roof '15. Relax on the gorgeous deck under the pergola after getting in your laps (or just bobbing around) in the oval-shaped pool! St. Charles schools! Nothing to do here but move in.

Listing Agent

Jennifer Henry

RE/MAX All Pro - St Charles License #475173701 Listed on: 08/08/2025

RE/MAX All Pro - St Charles

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $9,627

Year Built

  • Built in 1998

Lot Details

  • 0.29 Acre Lot
  • Adjoins Government Land
  • Paved or Partially Paved Lot

Parking

  • 2 Car Garage
  • Driveway
  • Parking Included in Price

Home Design

  • Asphalt Roof
  • Concrete Perimeter Foundation

Interior Spaces

  • 2,749 Sq Ft Home
  • 2-Story Property
  • Ceiling Fan
  • Wood Burning Fireplace
  • Fireplace With Gas Starter
  • Family Room with Fireplace
  • Living Room
  • Formal Dining Room
  • Recreation Room
  • Loft
  • Vinyl Flooring
  • Carbon Monoxide Detectors

Kitchen

  • Range
  • Microwave
  • Dishwasher
  • Stainless Steel Appliances
  • Disposal

Bedrooms and Bathrooms

  • 4 Bedrooms
  • 5 Potential Bedrooms
  • Walk-In Closet
  • Dual Sinks
  • Soaking Tub
  • Separate Shower

Laundry

  • Laundry Room
  • Dryer
  • Washer

Basement

  • Basement Fills Entire Space Under The House
  • Sump Pump

Outdoor Features

  • Above Ground Pool
  • Deck
  • Shed
  • Pergola

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Uses Natural Gas
  • Gas Water Heater

Community Details

  • River Ridge Subdivision, Cumberland Floorplan

Listing and Financial Details

  • Homeowner Tax Exemptions

Home Details

Home Type

Single Family

Est. Annual Taxes

$9,627

Year Built

Built in 1998

Lot Details

0

Parking

2

Listing Details

  • Property Type: Residential
  • Property Type: Detached Single
  • Type Detached: 2 Stories
  • Ownership: Fee Simple
  • New Construction: No
  • Property Sub-Type: 2 Stories
  • Subdivision Name: River Ridge
  • Year Built: 1998
  • Age: 26-30 Years
  • Built Before 1978 (Y/N): No
  • Disability Access and/or Equipped: No
  • General Information: School Bus Service
  • Rebuilt (Y/N): No
  • Rehab (Y/N): No
  • New Construction Y/N: No
  • Special Features: 4224
  • Property Sub Type: Detached

Interior Features

  • Appliances: Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Disposal, Stainless Steel Appliance(s), Humidifier
  • Basement: Finished, Egress Window, 8 ft + pour, Rec/Family Area, Sleeping Area, Storage Space, Full
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bathrooms: 3
  • Total Bedrooms: 4
  • Below Grade Finished Sq Ft: 1083
  • Fireplace Features: Wood Burning, Gas Starter
  • Fireplaces: 1
  • Flooring: Laminate
  • Interior Amenities: Vaulted Ceiling(s), Dry Bar, Walk-In Closet(s), Separate Dining Room, Quartz Counters
  • LivingArea: 2749
  • Other Equipment: CO Detectors, Ceiling Fan(s), Sump Pump, Water Heater-Gas
  • Room Type: Bedroom 5, Recreation Room, Loft
  • Estimated Total Finished Sq Ft: 3832
  • Bathroom Amenities: Separate Shower,Double Sink,Soaking Tub
  • Basement Bathrooms: No
  • Below Grade Bedrooms: 1
  • Dining Room: Separate
  • Total Sq Ft: 2749
  • Basement Sq Ft: 1083
  • Fireplace Location: Family Room
  • Square Footage Comments: Above Grade SF = 2749 Below Grade Finished SF = 1083
  • Total Sq Ft: 3832
  • Main Level Sq Ft: 2749
  • Flooring: Vinyl

Exterior Features

  • Construction Materials: Vinyl Siding
  • Foundation Details: Concrete Perimeter
  • List Price: 477500
  • Lot Features: Adjoins Government Land
  • OtherStructures: Pergola, Shed(s)
  • Patio And Porch Features: Deck
  • Pool Features: Above Ground
  • Roof: Asphalt
  • Waterfront: No

Garage/Parking

  • Garage Spaces: 2
  • Parking Features: Asphalt, Garage Door Opener, On Site, Garage Owned, Attached, Garage
  • ParkingTotal: 2

Utilities

  • Sewer: Public Sewer
  • Cooling: Central Air
  • Heating: Natural Gas, Forced Air
  • Laundry Features: Main Level, In Unit
  • Water Source: Public

Condo/Co-op/Association

  • Association Fee Frequency: Not Applicable
  • Community Features: Curbs, Sidewalks, Street Lights, Street Paved
  • Master Association Fee Frequency: Not Required

Fee Information

  • Association Fee Includes: None

Schools

  • Middle/Junior School District: 303

Lot Info

  • Additional Parcels: No
  • Lot Size Acres: 0.29
  • Lot Dimensions: 12637
  • Rural (Y/N): N
  • Lot Size: .25-.49 Acre
  • Special Assessments: N

Rental Info

  • Board Number: 5
  • Is Parking Included in Price: Yes

Tax Info

  • Tax Annual Amount: 9627
  • Tax Year: 2023
  • Tax Exemptions: Homeowner

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $10,016 $124,470 $27,930 $96,540
2023 $9,627 $111,403 $24,998 $86,405
2022 $9,190 $105,202 $27,116 $78,086
2021 $8,846 $100,278 $25,847 $74,431
2020 $8,814 $98,408 $25,365 $73,043
2019 $8,685 $96,460 $24,863 $71,597
2018 $8,596 $95,079 $24,405 $70,674
2017 $8,108 $90,606 $23,571 $67,035
2016 $8,485 $87,424 $22,743 $64,681
2015 -- $83,363 $22,498 $60,865
2014 -- $79,808 $22,498 $57,310
2013 -- $83,537 $22,723 $60,814
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
08/08/2025 08/08/25 For Sale $477,500 -- $174 / Sq Ft
08/08/2025 08/08/25 Pending -- -- --
Source: Midwest Real Estate Data (MRED)

Purchase History

Date Type Sale Price Title Company
Trustee Deed $239,000 Chicago Title Insurance Co
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $265,000 New Conventional
Closed $271,534 FHA
Closed $85,000 Credit Line Revolving
Closed $60,000 Credit Line Revolving
Closed $237,500 Unknown
Closed $228,386 Unknown
Closed $30,000 Stand Alone Second
Previous Owner $188,800 No Value Available
Source: Public Records

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Source: Midwest Real Estate Data (MRED)

MLS Number: 12435118

Midwest Real Estate Data (MRED)

APN: 09-03-281-005