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Active Under ContractMLS #: 127434431 / 19Get an accurate number
Active Under ContractMLS #: 127434431 / 194 Beds · 2 Baths · 2,000 sq ft
$439,900
1120 S 12th Avenue, St. Charles IL, 60174
Est. payment: $3,093/mo · 20% down, 30-year fixed at 6.95%, principal, interest, and taxes per the listing
Price per sq ft
$220
Built in
1959
Property size
2,000 sq ft
Property type
Detached Single
Listed by Cory Jones with eXp Realty - St. Charles
Questions about this home: Nick Rife, Rife Realty, (815) 258-1471 or Nick@RifeRealty.com
Overview
Enjoy the best of downtown St. Charles living in this spacious, versatile home, ideally situated in a quiet, established neighborhood near the Fox River, parks, bike and walking paths, restaurants, shopping, and entertainment. Located in highly sought-after St. Charles Community Unit School District 303, this home combines an exceptional location with flexible living space and everyday convenience. The upper-level features two generously sized bedrooms with carpet updated in 2018, a full bathroom, and a bright, spacious living room highlighted by a beautiful bow window and updated hardwood floors. The beautiful eat-in kitchen includes a new microwave and dishwasher installed in 2026. The flexible lower level offers two additional bedrooms with carpet updated in 2018, a second full bathroom, and a large family room. Radiant-heated floors provide added comfort, while the generously sized laundry room includes a high-end ventless washer and dryer installed in 2025, a utility sink, and ample storage. A private rear entrance from the attached garage, accessed by a second stairway, creates excellent possibilities for guests, a home office, or other living arrangements. Outdoor spaces are equally inviting. The private backyard features a tall privacy fence installed in 2018 and a beautiful concrete patio completed in 2024 - perfect for entertaining, outdoor dining, or relaxing. The professionally landscaped front yard is enhanced by a new concrete front walkway and thoughtfully designed garden beds that add color and curb appeal. An attached, side-load three-car garage provides exceptional parking and storage. With four bedrooms, two full bathrooms, generous living areas, thoughtful updates, and convenient access to downtown St. Charles and the Fox River.
Location
1120 S 12th Avenue, St. Charles IL, 60174
- Township
- St. Charles
- County
- Kane
- Area
- Campton Hills / St. Charles
Interior
- Bedrooms
- 4
- Full bathrooms
- 2
- Total rooms
- 7
- Living area
- 2,000 sq ft (Assessor)
- Interior features
- In-Law Floorplan, 1st Floor Full Bath
- Appliances
- Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer
- Flooring
- Hardwood
- Basement
- Finished, Daylight
- Cooling
- Wall Unit(s)
- Heating
- Natural Gas, Radiant Floor
- Electric
- Circuit Breakers, 200+ Amp Service
Exterior and lot
- Style
- Traditional
- Construction
- Vinyl Siding, Brick
Listing details
- MLS number
- 12743443
- Status
- Active Under Contract
- Property type
- Detached Single
- Year built
- 1959
- Town
- St. Charles
- ZIP
- 60174
- Updated
- Sep 10, 2026
Estimate your payment
Term, years
Your monthly payment will be
$3,093
Principal, interest, and estimated taxes.
Loan $351,920 Down $87,980
- Principal and interest
- $2,330
- Property taxes (2025, per the listing)
- $763
Ballpark estimated payments for planning. Not a quote or a preapproval.
What this estimate includes
Principal, interest, and property taxes: the listing's reported bill when MRED has one, otherwise an estimate from typical corridor rates. Insurance and any PMI are not included, and this is not an offer of credit. Your real number depends on your credit, the lender, and the property.
Talk to Nick and he will connect you with one of his preferred lenders for a real figure.
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Listings courtesy of Midwest Real Estate Data (MRED) as distributed by MLS GRID.
Based on information submitted to the MLS GRID as of Sep 22, 2026, 10:35 AM CT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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