https://www.ruhlmortgage.com/BlakeEller.html

1028 S 4th Street Saint Charles, IL 60174 Residential - Single Family New

New - 13 Hours Ago
  • 1028 S 4th Street , Saint Charles, IL 60174 Main Photo

50 Total Photos [Click to View All]

Description

ABSOLUTE PERFECTION NEAR THE HEART OF DOWNTOWN ST. CHARLES! Perfectly set on a quiet, tree-lined street, this meticulously maintained home offers a beautiful blend of timeless character, modern charm, and everyday conveniences. Thoughtfully renovated inside and out in 2006, this home showcases quality materials, rich millwork, refined finishes, and exceptional craftsmanship throughout. A charming front porch welcomes you into an inviting foyer, where a classic oak staircase and a beautifully preserved original newel posts set an elegant, timeless tone. The main level is flooded with natural light, featuring a sun-filled living room with a large picture window and elegant transom details. Gleaming hardwood flooring flows throughout the home, while high ceilings are complemented by elegant 9 baseboards and 4 wide window and door casings, adding beautiful architectural detail. For those who love to host, the open-concept family room flows seamlessly into a gourmet eat-in kitchen, which boasts sleek new quartz countertops, stainless steel appliances, a stylish breakfast bar peninsula, and a sun-drenched dining area with a bay window completes the space. The second floor offers a versatile loft that serves as a perfect reading nook, home office or study, leading to three spacious bedrooms with generous closet space. The updated full adjacent bathroom showcases a new vanity, natural stone tile and a large Jacuzzi soaking tub. For even more room to roam, the English basement provides incredible flexibility for a dedicated home office, an exercise room, or additional recreation space. The outdoor living is just as impressive, featuring a private backyard oasis with a large patio and mature landscaping. The property also includes an oversized, rebuilt detached 2.5-car garage with an 8' overhead door, gas line for a future heater, and an additional parking pad for a third car or trailer with the integrity of a gravel stabilization grid to support heavy loads. Other highlights and home improvements over the years include: Completely renovated down to the studs in 2006, this home was thoughtfully rebuilt with major updates including electrical, plumbing, and mechanical systems - blending classic character with modern functionality. Over the years, additional cosmetic updates have kept the home fresh and inviting, including quartz countertops, stainless steel kitchen appliances, updated bathrooms, lighting, fixtures, windows, paint & much more! Unbeatable, highly sought-after location just blocks from the scenic Fox River and Mount St. Mary Park, you'll enjoy easy access to the Fox River Trails, tennis courts, basketball courts, fishing, and playgrounds. Just minutes from the heart of downtown St. Charles and Geneva, this home places you in the center of vibrant shopping, dining, nightlife, and year-round festivals and events that bring the community to life - from summer concerts and riverfront celebrations to renowned art shows, fall traditions, and magic

Property Highlights

Property Type: Residential - Single Family
Total Living Area SF: 1,413
Garage Size: 3
Built in 1918
Elementary School: Davis Elementary School
High School: St Charles East High School
Middle School: Thompson Middle School

General Information

Bedrooms: 3
Bathrooms: 2
Sqft: 1,413
County: Kane
High School: St Charles East High School
Listed By:
RE/MAX All Pro - St Charles 630-513-6100
MRED MLS

Room Information

Loft: 9X9
Recreation Room: 14X24
Foyer: 6X8
Bedroom 2: 11X11
Bedroom 3: 9X10
Dining Room: 12X13
Family Room: 11X17
Kitchen: 13X13
Laundry: 9X12
Living Room: 11X12
Primary Bedroom: 11X11
$475,000
Est. $3,048/mo
3beds
2baths
1,413sqft
3cars
New to the Market New
BEDS3 BATHS1 full 1 partial SQUARE FEET1,413 MLS#12620717
STATUSNew PROPERTY TYPEResidential - Single Family SCHOOLDistrict 303

Get in Touch

Contact an agent to learn more about

1028 S 4th Street , Saint Charles, IL 60174.

Contact Form

Preferred Communication Method:

Mortgage Calculator

Call or Click to get Pre-Approved! 563-441-1862 toll free 866-441-1862

Customize Your Loan

Customize Your Rate

Loan Type 30 Year FixedFHA 30 Year Fixed15 Year Fixed
Purchase Price $475,000$475,000$475,000
Down Payment $95,000$16,625$118,750
Monthly Mortgage Amount $2,248$2,796$2,911
Taxes $661$661$661
Insurance $100$100$100
HOA/Dues/Fees $0$0$0
Monthly Mortage Insurance $0$209$0
Monthly Estimated Total $3,048$3,805$3,711

Customize Your Mortgage

Similar Listings For Sale Sold

Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 04/17/2026. The listing information on this page last changed on 04/17/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Fri 04/17/2026 12:13:40 AM EST) or MRED MLS (last updated Fri 04/17/2026 12:11:56 AM EST) or SCWMLS (last updated Thu 04/16/2026 11:54:38 PM EST) or Rockford Board of Realtors (NWIAR) (last updated Thu 04/16/2026 10:16:31 PM EST) or Cedar Rapids MLS (last updated Thu 04/16/2026 10:44:14 PM EST) or NEIRBR MLS (last updated Fri 04/17/2026 12:08:41 AM EST) or ICAAR MLS (last updated Thu 04/16/2026 11:37:29 PM EST) or ECIMLS (last updated Thu 04/16/2026 11:44:15 PM EST) or RMLSA (last updated Fri 04/17/2026 12:10:57 AM EST) or Muscatine MLS (last updated Fri 04/17/2026 12:00:24 AM EST) or No Coast MLS (last updated Fri 04/17/2026 12:04:21 AM EST). Real estate listings held by brokerage firms other than Ruhl&Ruhl Realtors may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.

Listing data and photos distributed by MLSGRID
Member Participants (and their affiliated licensees, if applicable) shall indicate on their websites that IDX information is provided exclusively for consumers’ personal non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, that the data is deemed reliable but is not guaranteed by MLS GRID, and that the use of the MLS GRID Data may be subject to an end user license agreement prescribed by the Member Participant’s applicable MLS if any and as amended from time to time. MLS GRID may, at its discretion, require use of other disclaimers as necessary to protect Member Participant, and/or their MLS from liability.
Based on information submitted to the MLS GRID. 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.



Privacy Policy / DMCA Notice / ADA Accessibility


Agent License Information: Licensed in IA & IL

Login to My Homefinder

Pixel