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ActiveMLS #: 127495931 / 41Get an accurate number
ActiveMLS #: 127495931 / 413 Beds · 2.5 Baths · 1,900 sq ft
$475,000
401 Division Street, St. Charles IL, 60174
Est. payment: $3,312/mo · 20% down, 30-year fixed at 6.95%, principal, interest, and taxes per the listing
Price per sq ft
$250
Built in
1952
Property size
1,900 sq ft
Property type
Detached Single
Listed by Erin Grant with Village Realty, Inc.
Questions about this home: Nick Rife, Rife Realty, (815) 258-1471 or Nick@RifeRealty.com
Overview
Beautifully maintained 3-bedroom, 2.5-bath home in an unbeatable St. Charles location - minutes to Downtown St. Charles, Geneva, Fox River, and bike trail. The open main level features gleaming hardwood floors, a spacious kitchen flowing into the dining area and living room with fireplace, plus first-floor den/office behind French doors. All rooms carry an abundance of natural light throughout. The primary suite boasts vaulted ceilings, large walk-in closet, and a luxury bath with whirlpool tub, separate shower, and double vanity. Two sizable additional bedrooms and a full hall bath complete the upper level. The fully finished basement adds nearly 950 sq ft of flexible living space with plenty of concealed areas for storage. Enjoy outdoor living on the deck off the kitchen, with walkway to the 2.5-car garage. This lovingly maintained home is move-in condition!
Location
401 Division Street, St. Charles IL, 60174
- Township
- St. Charles
- County
- Kane
- Area
- Campton Hills / St. Charles
Interior
- Bedrooms
- 3
- Full bathrooms
- 2
- Half bathrooms
- 1
- Total rooms
- 8
- Living area
- 1,900 sq ft (Builder)
- Interior features
- Open Floorplan
- Appliances
- Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer
- Laundry
- Main Level, In Unit
- Flooring
- Hardwood
- Fireplaces
- 1
- Basement
- Finished, Full
- Cooling
- Central Air
- Heating
- Natural Gas, Forced Air
- Electric
- Circuit Breakers
Exterior and lot
Listing details
- MLS number
- 12749593
- Status
- Active
- Property type
- Detached Single
- Year built
- 1952
- Town
- St. Charles
- ZIP
- 60174
- Updated
- Sep 17, 2026
Estimate your payment
Term, years
Your monthly payment will be
$3,312
Principal, interest, and estimated taxes.
Loan $380,000 Down $95,000
- Principal and interest
- $2,515
- Property taxes (2025, per the listing)
- $797
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, 8:05 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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