Active1 days on market
$439,900
1120 12th Avenue
St. Charles, IL 60174
- Beds
- 4
- Baths
- 2 full
- Sqft
- 2,000
- $/sqft
- $220
- Built
- 1959
- Type
- Single Family
- MLS#
- MRD12743443
About this home
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.
Payment calculator
Estimated monthly cost for this home
20% · $88K
%
Term
$3,150/mo
- Principal & interest
- $2,259
- Property taxes
- $763
- Home insurance (est.)
- $128
Estimate only, not a quote or offer of credit. Rate starts from today's market rate (6.65%, 2026-08-20). 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
| Listed Aug 27, 2026 | $439,900 |
| 2025 property taxes | $9,151/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.
Schools
Assigned schools per the listing's MRED record. Always verify with the district before you buy.
Elementary
Munhall Elementary School
303
Middle
Wredling Middle School
303
High school
St. Charles East High School303
See programs, enrollment & homes near this school →
Where it sits
MRED Broker ReciprocityThis listing is part of the MRED data exchange program provided courtesy of eXp Realty - St. Charles, listed by Cory Jones.
Information last updated Aug 27, 2026, 11:11 PM.
1120 12th Avenue
St. Charles, IL 60174
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Call 224-385-8779Property details
Sourced from the MRED MLS feed. Last updated when the listing was modified.
- Cooling
- Wall Unit(s)
- Heating
- Natural Gas, Radiant Floor
- Basement
- Finished, Daylight
- Flooring
- Hardwood
- Appliances
- Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer
- Rooms total
- 7
- Window features
- Screens, Blinds, Drapes
- Interior features
- In-Law Floorplan, 1st Floor Full Bath