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38w643 Bittersweet Lane , Elgin, IL 60124.
St Charles, D303 Schools | Luxury 1-Acre| finished basement | Pond & Patio setting | 3 beds | 2.1 baths | 4,274 square feet |Heated Sunroom | Near St. Charles & Geneva | Sub-Zero & KitchenAid appliances 38W643 Bittersweet Ln, Elgin, IL is a rare, design-driven expression of private living within the sought-after St. Charles D303 school district. This expanded Cape Cod offers approx. 4,274 SF of refined craftsmanship and layered warmth. The chef's kitchen features Hickory cabinetry and is fully appointed with Sub-Zero French door refrigeration, dual-zone under-counter wine fridge, KitchenAid Architect Series 6-burner cooktop, double ovens with proofing, quartz countertops, integrated prep station, and Lutron smart lighting throughout the main living areas. A heated sunroom with radiant floors and multi-speed gyro fan extends year-round living, overlooking the wooded landscape, Wisconsin Chilton patio, and a tranquil blue ironstone pond with waterfall feature. Interior character is defined by a gas fireplace, pine-board ceilings, and hardwood floors, creating depth and architectural texture throughout. The primary suite is a private retreat featuring a porcelain gas-burning stove/fireplace, built-in niches, and mini-fridge within the sitting area. Ensuite bath includes standing shower and separate soaking tub. The finished lower level with furnace equipped with AprilAire and UV light enhances air quality and system efficiency. Additional upgrades include whole-house filtration, reverse osmosis water system, and enhanced mechanicals for long-term comfort and performance. Exterior living features illuminated walkways and deep natural privacy, delivering an estate-like setting seldom found in this corridor. A fully finished detached flex structure (approx. 14x12), fully heated and air-conditioned, provides rare versatility for studio, office, or creative use. The property's location provides quick access to downtown St. Charles and Geneva, offering boutique shopping, riverfront dining, and convenient access to I-90 for commuting. Blending luxury finishes, modern systems, and a highly sought-after school district location, this home delivers a rare opportunity in one of the Fox Valley region's most desirable residential areas.
MLS ID: 12648732
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38w643 Bittersweet Lane , Elgin, IL 60124.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $555,500 | $555,500 | $555,500 |
| Down Payment | $111,100 | $19,443 | $138,875 |
| Monthly Mortgage Amount | $2,664 | $3,270 | $3,432 |
| Taxes | $773 | $773 | $773 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $244 | $0 |
| Monthly Estimated Total | $3,599 | $4,449 | $4,367 |