Active
$920,000
415 4th Street
St. Charles, IL 60174
- Beds
- 5
- Baths
- 4 full · 1 half
- Sqft
- 2,598
- $/sqft
- $354
- Lot
- 0.471 ac
- Built
- 1890
- Type
- Single Family
- MLS#
- MRD12696696
About this home
Welcome to 415 S. Fourth Street, a secluded in-town retreat designed for generations to gather. Set on a rare, half-acre double lot spanning Fourth and Fifth streets, this five-bedroom, 41/2-bath historic estate blends late-Victorian Queen Anne architecture with classical craftsmanship. Located in a quiet, walkable neighborhood just blocks from vibrant downtown St. Charles, this home offers unmatched privacy, extraordinary character, and the space to create lasting memories. Bring your design ideas-this unique property presents an incredible opportunity to restore, update, and customize a historic masterpiece to your exact taste. Commissioned in the early 1890s by Civil War veteran J.B.T. Wheeler, the residence beautifully preserves its historic workmanship. Iconic features include a sweeping wraparound porch, a graceful central staircase, substantial moldings, leaded-glass windows, original wood floors, and glass-paneled pocket doors. At the heart of the home is a dramatic, exceptionally large family room with a grand fireplace-the ultimate setting for holidays, milestones, and large-scale entertaining. The spacious kitchen and bathrooms are ready for updates and modernization. The expansive footprint and generous room proportions provide a strong canvas for your thoughtful vision. The park-like grounds are a true outdoor sanctuary. Featuring an in-ground pool, an expansive lawn, and mature ornamental gardens, the estate has comfortably hosted gatherings of over 100 guests. Additional highlights include an oversized two-car garage designed to complement the property's carriage-house aesthetic, plus a separate, detached art studio nestled beneath magnificent black walnut trees-perfect for a home office, woodworking shop, or creative retreat.
Payment calculator
Estimated monthly cost for this home
20% · $184K
%
Term
$6,146/mo
- Principal & interest
- $4,911
- Property taxes
- $966
- Home insurance (est.)
- $268
Estimate only, not a quote or offer of credit. Rate starts from today's market rate (7.03%, 2026-09-24). Taxes from the listing's MRED record. Talk to a lender for real numbers; a Subdiview agent can introduce you to a good one.
Price & tax history
| 2025 property taxes | $11,598/yr |
From the listing's MRED record. MRED does not publish per-change dates through IDX, so price changes are shown without one rather than guessed.
Where it sits
MRED Broker ReciprocityThis listing is part of the MRED data exchange program provided courtesy of Keller Williams Inspire - Geneva, listed by Rita Schoenthal.
Information last updated Sep 25, 2026, 5:26 PM.
415 4th Street
St. Charles, IL 60174
Talk to a Subdiview agent.
Local. They live in the area and know what’s behind these floor plans, not someone who paid for a lead.
Get the full disclosure packet, recent comps, and a private showing within 24 hours.
Call 224-385-8779Property details
Sourced from the MRED MLS feed. Last updated when the listing was modified.
- Cooling
- Central Air
- Heating
- Steam
- Basement
- Unfinished, Full
- Flooring
- Hardwood, Carpet
- Appliances
- Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Disposal
- Rooms total
- 10
- Window features
- Screens
- Fireplaces total
- 1
- Laundry features
- In Unit
- Fireplace features
- Wood Burning, Gas Starter