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3617 Emerald Road , Elgin, IL 60124.
This stunning Normandy Model at the Ponds of Stony Creek is priced below new construction in the same subdivision - and comes loaded with premium upgrades new builds simply don't include. Skip the wait, skip the base-model finishes, and move right into a home that's already done right. A dramatic two-story foyer sets the tone the moment you walk in, flowing into a formal dining room and an expansive family room that opens to a jaw-dropping gourmet kitchen - the true heart of this home. The chef's kitchen is outfitted with gleaming quartz countertops, custom backsplash, a generous island, a walk-in pantry, and professional-grade Thermador appliances that new construction in this price range simply won't offer. Sliding doors lead directly to a fully fenced backyard with a massive patio - ideal for entertaining, morning coffee, or letting the kids run free. A first-floor study provides a perfect work-from-home setup and could easily serve as a first-floor bedroom, with a powder room conveniently nearby that could be expanded with a shower. Upstairs, the owner's suite is a true retreat featuring two walk-in closets and a spa-inspired bath with a newly added oversized soaking tub. Three additional bedrooms - two with walk-in closets - round out the upper level with all the space your family needs. A covered front porch adds charming curb appeal that ties it all together. The 3-car garage features an epoxy floor and 220V wiring already in place for electric vehicle charging - an upgrade you'd pay extra for on a new build. Outside, the inground sprinkler system keeps the lawn lush all season with zero effort. Energy efficiency is built right in with Low-E double pane windows, a 95% high-efficiency furnace, 13 SEER A/C, and a 40-gallon water heater. All of this in a peaceful, sidewalk community with a neighborhood park, top-rated Community Unit School District 301 schools, and just minutes from the Randall Road corridor's shopping, dining, and entertainment. Better than new. Priced below new. Schedule your showing today - this one won't last.
MLS ID: 12648710
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3617 Emerald Road , Elgin, IL 60124.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $660,000 | $660,000 | $660,000 |
| Down Payment | $132,000 | $23,100 | $165,000 |
| Monthly Mortgage Amount | $3,166 | $3,885 | $4,077 |
| Taxes | $919 | $919 | $919 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $290 | $0 |
| Monthly Estimated Total | $4,276 | $5,285 | $5,187 |