See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

644 Houtz Cir, Elburn, IL, 60119

5beds
4baths
3,197sqft
$719,450
$225price/sqft
$5,490/moest. monthly cost
$219,600/yrincome needed

About This Home

New home under construction with stunning options and finishes including an added in-law suite, covered front and rear porch, 50" electric fireplace and added windows. With 2,996 square feet of thoughtfully designed space, The Ontario is a home that blends style, comfort, and flexibility to fit your lifestyle. Featuring four bedrooms, two-and-a-half bathrooms, and a spacious three-car garage, this home is perfect for growing families, entertainers, and anyone seeking a well-designed living space. Plus, with three distinct front elevations to choose from, you can personalize the exterior to match your style. Upon entering, you're welcomed by a versatile flex room, perfect for a home office, playroom, or formal sitting area. The main floor also offers a separate dining room for special gatherings, a cozy dinette for everyday meals, and a stunning two-story great room that creates a bright and open atmosphere. For those who love outdoor living, an optional rear covered porch extends your entertainment space and provides the perfect spot for relaxing outdoors. Upstairs, the second floor features three spacious guest bedrooms and a well-appointed hall bath. The owner's suite is a true retreat, complete with a beautiful tray ceiling, two walk-in closets, and a spacious private bath designed for comfort and convenience. Customize The Ontario to fit your needs! This plan features many pre-drawn options that you can add to your home, including: an office, in-law suite, a walk-in pantry, alternate owner's bath layouts, and even porch additions! With its elegant design, flexible spaces, and an abundance of room to grow, The Ontario is the perfect home for making lasting memories with loved ones.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

8/10
Harter Middle SchoolGrades 6-87.2 mi
6/10

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Vinyl Siding,Stone

Other

  • Builder model: Ontario
  • Builder name: Silverthorne Homes

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher
  • Laundry features: Gas Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Unfinished,Bath/Stubbed,Egress Window,9 ft + pour,Full

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 132
  • Dimensions: 11X12

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 168
  • Dimensions: 12X14

Bedroom4

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 168
  • Dimensions: 14X12

Bedroom5

  • Level: Main
  • Area: 160
  • Dimensions: 10X16

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Bonus Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 132
  • Dimensions: 11X12

Breakfast Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 180
  • Dimensions: 15X12

Dining Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 168
  • Dimensions: 12X14

Features

  • Walk-In Closet(s),High Ceilings,Open Floorplan,Granite Counters,Pantry
  • Window features: Screens
  • Number of fireplaces: 1
  • Fireplace: Yes

Foyer

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 66
  • Dimensions: 6X11

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,979
  • Total interior livable area: 3,197 sqft

Kitchen

  • Features: Kitchen (Eating Area-Breakfast Bar,Eating Area-Table Space,Island,Pantry-Closet,Granite Counters),Flooring (Vinyl)
  • Level: Main
  • Area: 225
  • Dimensions: 15X15

Laundry

  • Features: Flooring (Vinyl)
  • Level: Second
  • Area: 49
  • Dimensions: 7X7

Living Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 340
  • Dimensions: 17X20

Master Bedroom

  • Features: Flooring (Carpet),Bathroom (Full,Double Sink)
  • Level: Second
  • Area: 240
  • Dimensions: 15X16

Mud Room

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 66
  • Dimensions: 11X6

Property

Accessibility

  • Accessibility features: Swing In Door(s),Lever Door Handles,Disability Access

Details

  • Parcel number: 0832452001
  • Special condition: None
  • Other equipment: Ceiling Fan(s),Sump Pump

Features

  • Stories: 2

Lot

  • Lot size: 0.26 Acres
  • Lot size dimensions: 91x125

Parking

  • Total spaces: 3
  • Parking features: Garage Door Opener,Garage,Yes,Garage Owned,Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding

FEMA Declared Disasters Across Illinois Counties

Flood

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,637$43,644
Home Insurance *$301$3,612
Property Taxes $1,307$15,684
Electricity $245$2,950
Total$5,490$65,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$188,228/yr
40% on housing$164,700/yr
45% on housing$146,400/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$225This listing

vs Other Active Listings

Avg $/sqft

ZIP 60119$237
Kane County$212

vs Homes Sold Last Month

Median $/sqft

ZIP 60119$203
Kane County$207

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-25Price change$719,450
2025-12-13Listed for sale$699,450

New Construction Spec

AgentMark Southwood
BrokerageHome Sell Flat LLC

Similar Homes