$990,000

661 Reserve Court, South Elgin, IL 60177

Active Under Contract
4 beds 4.5 baths 3,502 sqft (assessor) Built 2002 Residential MLS #MRD12730538 6 days on market
Listing courtesy of Premier Living Properties · 630-377-1646 · amanda@plproperties.com · MLS #MRD12730538 · Status: Active Under Contract
Beautiful custom home in the sought-after enclave of Thornwood Reserve offers a rare combination of custom-home living and the amenities of the Thornwood community and St Charles Schools. Set along a beautiful, tree-lined, gently curved street surrounded by upper-end custom homes, this exceptional property backs to mature trees and open land, creating a private and picturesque setting. Residents also enjoy access to Thornwood's clubhouse, pool, courts and more. This impressive brick and cedar home welcomes you with a two-story foyer flanked by elegant formal living and dining rooms. The dramatic two-story great room is the heart of the home, featuring a striking stone fireplace and an entire wall of windows overlooking the beautiful backyard setting. It flows seamlessly into the chef's kitchen and casual dining area, creating an inviting open-concept space designed for everyday living and effortless entertaining. The white kitchen features an oversized center island, pantry closet, upscale appliances and a convenient butler's pantry connecting to the formal dining room. The main level also includes a beautifully appointed wood-paneled den with custom built-ins, a stylish powder room and a spacious laundry/mudroom with abundant cabinetry and a back-hall closet. Upstairs, a custom iron-and-wood staircase leads to four bedrooms, including a sumptuous primary suite with a spa-inspired bath and dream walk-in closet. Bedroom two enjoys its own private bath, while bedrooms three and four share a thoughtfully designed Jack-and-Jill bath. The walk-out lower level takes entertaining to another level with a custom full bar, recreation room, second family room with stone fireplace, flex room that could serve as a fifth bedroom, full bath and abundant storage. With multiple gathering spaces, this level is perfectly suited for entertaining, guests, recreation or simply spreading out. The outdoor spaces are every bit as special. A huge upper deck feels like your own private treehouse, surrounded by trees and treetop views, while the walk-out level opens to a covered patio below. Brick and stone walkways, gorgeous mature landscaping, irrigation and established trees complete the exceptional setting. The side-load 3.5-car garage with tons of built-in storage adds both convenience and curb appeal. Home has a modern vibe and has designer touches throughout. All of this is ideally located within St. Charles schools and just minutes from grocery stores, Target, Starbucks, downtown St. Charles and the Randall Road shopping corridor. A truly special Thornwood Reserve property offering privacy, custom-home quality and the lifestyle amenities of one of St. Charles' most desirable communities.
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Property details

Interior

Appliances
Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Disposal
Interior features
Vaulted Ceiling(s), Wet Bar
Flooring
Hardwood
Fireplaces
2
Fireplace details
Gas Log, Gas Starter
Basement
Finished, Exterior Entry, 9 ft + pour, Rec/Family Area, Full, Walk-Out Access
Laundry
Main Level, In Unit
Additional rooms
Den, Eating Area, Recreation Room, Game Room, Family Room, Foyer
Total rooms
13

Building & exterior

Style
Traditional
Age
21-25 Years
Exterior
Brick, Cedar
Roof
Asphalt
Foundation
Concrete Perimeter
Windows
Skylight(s)

Parking

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

Lot & location

Lot dimensions
107X127X107X120
Township
St. Charles
County
Kane

Utilities

Heating
Natural Gas, Forced Air
Cooling
Central Air
Water
Public
Sewer
Public Sewer
Electricity
Circuit Breakers

HOA & community

Assessment
$175 / quarterly
Assessment includes
None
Community features
Clubhouse, Park, Pool, Tennis Court(s), Sidewalks, Street Lights, Street Paved

Schools

Elementary
Ferson Creek Elementary School (303)
Junior high
Thompson Middle School (303)
High school
St Charles North High School (303)

Taxes & terms

Annual taxes
$20,823 (2025)
Parcel number (PIN)
0905302002
PIN
0905302002
Ownership
Fee Simple
Possession
Closing
Special conditions
None
Listed
8/14/2026

Rooms

RoomSizeLevelFlooring
Bar/Entertainment18X13Walkout BasementCeramic Tile
Den14X12MainHardwood
Eating Area12X12MainHardwood
Recreation Room22X15Walkout BasementCarpet
Game Room10X10Walkout Basement
Family Room - Down23X14Walkout Basement
Foyer16X12MainHardwood
Bedroom 216X12SecondHardwood
Bedroom 314X12SecondHardwood
Bedroom 414X12SecondHardwood
Dining Room14X12MainHardwood
Family Room20X17MainHardwood
Kitchen21X13MainHardwood
Laundry13X6MainCeramic Tile
Living Room13X12MainHardwood
Master Bedroom23X14SecondHardwood

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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