# 1240 Willowgate Lane, Saint Charles, IL 60174

> **TL;DR:** 3bd/4ba townhouse, $1,150,000 ($316/sqft), built 1993, 3,636 sqft.
> Fireplace, Waterfront, A/C. Est. $6,773/mo. Listed 71 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $1,150,000 |
| Price/sqft | $316 |
| Bedrooms | 3 |
| Bathrooms | 3 full, 1 half |
| Square Feet | 3,636 |
| Year Built | 1993 |
| Stories | 2 |
| Property Type | Townhouse (Townhouse) |
| Status | Active |
| Days on Market | 71 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $5,815 |
| Estimated Insurance | $335 |
| HOA | $623 |
| **Total** | **$6,773** |

## Key Amenities

- Fireplace
- Waterfront
- A/C

## Property Highlights

- Built in 1993
- 2 stories
- 2 parking spaces
- Fireplace
- Waterfront

## Description

### Agent Description
Rare opportunity to own a Fox River waterfront luxury duplex with a first-floor primary suite in Willowgate, one of St. Charles' most desirable maintenance-free communities. Offering 2,716 square feet above grade and approximately 3,600 finished square feet including the walkout basement, this home combines an exceptional riverfront setting with a highly sought-after floor plan just minutes from downtown St. Charles, downtown Geneva, the Fox River Trail, shopping, dining, parks, and the Metra. The main level features a private den, vaulted family room filled with natural light and panoramic Fox River views, a beautifully appointed kitchen with premium Poggenpohl cabinetry, laundry room, and the first-floor primary suite. Upstairs are two spacious bedrooms connected by a Jack-and-Jill bath. The finished walkout basement offers a large recreation room, family room, bar area, full bath, and direct access to the backyard. Enjoy spectacular river views from the screened porch and paver patio. Additional highlights include a new roof (2021) and new HVAC systems (2025). Luxury riverfront homes in Willowgate rarely become available, making this an exceptional opportunity to enjoy Fox River waterfront living in one of St. Charles' premier locations.

## Location

- **Address:** 1240 Willowgate Lane, Saint Charles, IL 60174
- **County:** Kane
- **Coordinates:** 41.900095, -88.304525
- **Google Maps:** https://www.google.com/maps?q=41.900095,-88.304525

## Virtual Tour & Media

- **Video Tour:** https://www.zillow.com/view-imx/fbd43e4f-2c6d-49dc-8f90-58cf2d3e40fd?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

## Listing Agent

- **Name:** Cory Jones
- **Brokerage:** eXp Realty, LLC
- **Phone:** (888) 574-9405
- **Broker Phone:** (888) 574-9405
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/1240-Willowgate-Ln_St-Charles_IL_60174_M81935-24998?f=listhub&s=MREDIL&m=12694179&c=propsimple)

## Photos

![1240 Willowgate Lane - Photo 1](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f1645509027r.jpg)

![1240 Willowgate Lane - Photo 2](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f1750227018r.jpg)

![1240 Willowgate Lane - Photo 3](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f3770005958r.jpg)

![1240 Willowgate Lane - Photo 4](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f1583327492r.jpg)

![1240 Willowgate Lane - Photo 5](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f582949402r.jpg)

![1240 Willowgate Lane - Photo 6](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f3606471281r.jpg)

![1240 Willowgate Lane - Photo 7](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f3953636017r.jpg)

![1240 Willowgate Lane - Photo 8](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f182818808r.jpg)

![1240 Willowgate Lane - Photo 9](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f933655204r.jpg)

![1240 Willowgate Lane - Photo 10](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f4105746903r.jpg)

![1240 Willowgate Lane - Photo 11](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f1472714926r.jpg)

![1240 Willowgate Lane - Photo 12](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f3218602603r.jpg)

![1240 Willowgate Lane - Photo 13](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f452696683r.jpg)

![1240 Willowgate Lane - Photo 14](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f3889154238r.jpg)

![1240 Willowgate Lane - Photo 15](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f2027344074r.jpg)

![1240 Willowgate Lane - Photo 16](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f3228102439r.jpg)

![1240 Willowgate Lane - Photo 17](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f1885828782r.jpg)

![1240 Willowgate Lane - Photo 18](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f1417885291r.jpg)

![1240 Willowgate Lane - Photo 19](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f674940636r.jpg)

![1240 Willowgate Lane - Photo 20](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f2389366574r.jpg)

![1240 Willowgate Lane - Photo 21](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f2409050412r.jpg)

![1240 Willowgate Lane - Photo 22](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f2534961655r.jpg)

![1240 Willowgate Lane - Photo 23](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f2999262130r.jpg)

![1240 Willowgate Lane - Photo 24](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f1143686083r.jpg)

![1240 Willowgate Lane - Photo 25](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f1287680019r.jpg)

![1240 Willowgate Lane - Photo 26](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f2607136344r.jpg)

![1240 Willowgate Lane - Photo 27](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f740079696r.jpg)

![1240 Willowgate Lane - Photo 28](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f95536650r.jpg)

![1240 Willowgate Lane - Photo 29](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f491945942r.jpg)

![1240 Willowgate Lane - Photo 30](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f812375506r.jpg)

![1240 Willowgate Lane - Photo 31](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f3720517529r.jpg)

![1240 Willowgate Lane - Photo 32](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f3668560133r.jpg)

![1240 Willowgate Lane - Photo 33](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f342372418r.jpg)

![1240 Willowgate Lane - Photo 34](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f612794376r.jpg)

![1240 Willowgate Lane - Photo 35](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f685175167r.jpg)

![1240 Willowgate Lane - Photo 36](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f3777653989r.jpg)

![1240 Willowgate Lane - Photo 37](http://lh.rdcpix.com/0381a2ad8a90728213aa5dcf065408bal-f4106710131r.jpg)

---

**MLS#:** 12694179 | **Updated:** 2026-08-26
**Source:** listhub

*Copyright © 2026 Midwest Real Estate Data, LLC. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/1240-willowgate-lane-st-charles-il-60174-12694179)

---

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