$950,000

632 Waters Edge Drive, South Elgin, IL 60177

Active
4 beds 6 baths 4,216 sqft (assessor) Built 2001 Residential MLS #MRD12693888 7 days on market
Listing courtesy of RE/MAX All Pro - St Charles · 630-513-6100 · gina@ginaswansonhomes.com · MLS #MRD12693888 · Status: Active
Exceptional custom-built, one-owner residence showcasing timeless craftsmanship, exquisite millwork, and uncompromising quality throughout. Designed with both everyday living and elegant entertaining in mind, this distinctive home offers a thoughtfully crafted floor plan and luxurious finishes at every turn. The grand two-story foyer opens to a dramatic two-story living room, while the sunken family room, anchored by a stunning fireplace, creates a warm and inviting gathering space. Dual private offices provide ideal work-from-home flexibility. The gourmet kitchen is beautifully appointed with granite countertops, premium appliances, abundant cabinetry, and serene views of the private wooded backyard. Step outside to a spacious Trex deck and paver brick patio with a fire pit-perfect for relaxing or entertaining while enjoying the peaceful setting. A private trail from the backyard connects directly to the neighborhood's scenic walking paths. Retreat to one of four generously sized ensuite bedrooms, each featuring a tray ceiling and walk-in closet, offering exceptional comfort and privacy for family and guests alike. The finished lower level is designed for entertaining and recreation, complete with a custom bar, game room, study, expansive family room with an electric fireplace, and a full bath. A desirable side-load three-car garage enhances the home's curb appeal and functionality with basement access. Located in the highly sought-after Thornwood community, residents enjoy resort-style amenities including a clubhouse, swimming pool, tennis courts, basketball courts, parks, and miles of picturesque walking trails. Ideally situated near premier shopping, dining, and everyday conveniences, this exceptional residence offers the perfect blend of luxury, comfort, and an outstanding lifestyle.

Property details

Interior

Appliances
Double Oven, Microwave, Dishwasher, High End Refrigerator, Bar Fridge, Washer, Dryer, Disposal, Stainless Steel Appliance(s), Wine Refrigerator, Cooktop, Gas Cooktop, Oven
Interior features
Vaulted Ceiling(s), Dry Bar, Wet Bar, Built-in Features, Walk-In Closet(s), Bookcases, High Ceilings, Special Millwork, Granite Counters, Separate Dining Room, Paneling
Flooring
Hardwood, Carpet
Fireplaces
3
Fireplace details
Double Sided, Wood Burning, Electric, Gas Starter
Basement
Finished, Exterior Entry, Full, Daylight
Laundry
Upper Level, Sink
Additional rooms
Breakfast Room, Den, Office, Study, Game Room, Sitting Room, Family Room, Foyer, Deck
Total rooms
15

Building & exterior

Age
21-25 Years
Exterior
Brick, Cedar
Exterior features
Fire Pit
Windows
Window Treatments, Drapes, Blinds, Screens
Doors
French Doors, Storm Door(s), Panel Door(s), Pocket Door(s)
Patio & porch
Deck, Patio
Exposure
South,East,West

Parking

Garage spaces
3
Total spaces
3
Parking details
Concrete, Garage Door Opener, Yes, Garage Owned, Attached, Garage

Lot & location

Lot dimensions
127x115x130x86
Lot description
Landscaped, Wooded, Backs to Trees/Woods
Township
St. Charles
County
Kane

Utilities

Heating
Natural Gas, Forced Air
Cooling
Central Air
Water
Public
Sewer
Public Sewer

HOA & community

Assessment
$154 / quarterly
Assessment includes
Clubhouse, Pool, Other
Community features
Clubhouse, Park, Pool, Tennis Court(s), Curbs, Sidewalks, Street Lights, Street Paved

Schools

Elementary
Corron Elementary School (303)
Junior high
Haines Middle School (303)
High school
St Charles North High School (303)

Taxes & terms

Annual taxes
$18,659 (2025)
Parcel number (PIN)
0905152007
PIN
0905152007
Ownership
Fee Simple w/ HO Assn.
Possession
Closing
Special conditions
None
Listed
7/6/2026

Rooms

RoomSizeLevelFlooring
Breakfast Room16X12MainHardwood
Den12X17MainHardwood
Office14X15MainHardwood
Study12X18BasementEngineered Hardwood
Game Room15X16BasementEngineered Hardwood
Sitting Room8X12SecondCarpet
Family Room - Down26X23BasementEngineered Hardwood
Foyer16X9MainHardwood
Deck14X18Main
Bar/Entertainment17X18BasementEngineered Hardwood
Bedroom 220X13SecondCarpet
Bedroom 314X15SecondCarpet
Bedroom 414X18SecondCarpet
Dining Room15X14MainHardwood
Family Room21X19MainHardwood
Kitchen13X14MainHardwood
Laundry9X8SecondCeramic Tile
Living Room17X12MainHardwood
Master Bedroom25X17SecondCarpet

What would this home cost per month?

Using this listing's actual tax bill (2025) and actual HOA assessment — adjust anything.

Rates move daily — edit to today's quote. Under 20% down adds PMI automatically.

Estimated monthly payment
$0
Principal & interest
Property taxes
Insurance
PMI (under 20% down)
HOA / assessments

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