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Active Under ContractMLS #: 127551741 / 19Get an accurate number
Active Under ContractMLS #: 127551741 / 193 Beds · 1.5 Baths
$450,000
1312 S 3rd Street, St. Charles IL, 60174
Est. payment: $3,020/mo · 20% down, 30-year fixed at 6.95%, principal, interest, and taxes per the listing
Built in
1925
Property type
Detached Single
Listed by Courtney Welsch with Baird & Warner
Questions about this home: Nick Rife, Rife Realty, (815) 258-1471 or Nick@RifeRealty.com
Overview
Set on a beautifully landscaped lot in St. Charles' Garden Ward, this home offers incredible curb appeal and an unbeatable in-town location. Walking distance to both downtown St. Charles and downtown Geneva, offering the best of both worlds. The updated kitchen (2019) is anchored by a beautiful bay window and flows into a separate formal dining room. The living room centers around a wood-burning fireplace and offers a beautiful view of the backyard. The backyard itself is beautifully landscaped with mature trees and a patio. Upstairs, the home offers three bedrooms and a full bath, plus a versatile den/family room that was originally a fourth bedroom (the wall was removed to open up the space, but it can easily be restored if a fourth bedroom is what you need) Powder room on the main level (originally a sunroom, fully converted in 2010) adds everyday convenience. Restored hardwood floors run throughout the main level, with hardwoods beneath the carpet upstairs. Original doors, moldings and charming vintage windows (with storms and screens intact) preserve the character that makes this home special. Two attached one-car garages - one off the side drive, one off the alley. The unfinished basement provides excellent additional storage. This home has been meticulously maintained by its long-time owner. Furnace (2012), AC condenser (2024), water heater (2018), roof (2008), remodeled primary bath (2016), and exterior paint (2025). Located within walking distance to Davis Elementary School and the Metra train, with easy access to everything downtown St. Charles and Geneva have to offer.
Location
1312 S 3rd Street, St. Charles IL, 60174
- Township
- St. Charles
- County
- Kane
- Area
- Campton Hills / St. Charles
Interior
- Bedrooms
- 3
- Full bathrooms
- 1
- Half bathrooms
- 1
- Total rooms
- 7
- Appliances
- Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Disposal
- Flooring
- Hardwood
- Fireplaces
- 1 (Living Room)
- Basement
- Unfinished, Full
- Cooling
- Central Air
- Heating
- Natural Gas, Forced Air
Exterior and lot
- Construction
- Wood Siding
- Patio and porch
- Patio
- Lot size
- Less Than .25 acres (50x132)
- Garage spaces
Listing details
- MLS number
- 12755174
- Status
- Active Under Contract
- Property type
- Detached Single
- Year built
- 1925
- Town
- St. Charles
- ZIP
- 60174
- Updated
- Sep 22, 2026
Estimate your payment
Term, years
Your monthly payment will be
$3,020
Principal, interest, and estimated taxes.
Loan $360,000 Down $90,000
- Principal and interest
- $2,383
- Property taxes (2025, per the listing)
- $637
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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