***This listing is eligible for 100% financing and $5,000 credit towards closing through First National Bank Homeownership Plus Program*** Welcome to 4873 Pepperwood Court, a spacious detached home located in the St. Charles 55+ community. Built in 2011, this well-designed residence offers approximately 2,475 square feet of living space with 3 bedrooms, 2.5 bathrooms, a den, an additional bonus room, and a comfortable open layout ideal for everyday living and entertaining. A cozy fireplace anchors the main living area, while the den and additional bonus room offer valuable flexibility for a home office, hobby space, guest area, or additional living space. The spacious primary suite features a private en-suite bath, while two additional bedrooms provide plenty of room for residents and guests. Situated on the largest lot on Pepperwood Court, this property offers approximately 0.34 acres with a wooded backdrop and no homes directly behind, providing added privacy and a peaceful outdoor setting. Enjoy the outdoors from the screened porch or patio, with plenty of additional yard space for relaxing, gardening, or entertaining. The attached two-car garage provides convenient parking along with extra storage space, and the driveway offers additional off-street parking. Conveniently located near shopping, dining, everyday amenities, and major commuter routes, this home combines generous living space, outdoor privacy, and the benefits of 55+ community living.