About This Home

This 3-bedroom, 2-bathroom single family at 1312 S. 3rd Street in Saint Charles, IL is listed for $450,000. Built in 1925, on a N/A lot.

Key Features

  • Built in 1925

Property Details

1 full, 1 half
1925
Listing Description

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.

Monthly Cost Estimate

$2,407/mo

20% down · 6.5% · 30 years

Principal$325
Interest$1,950
Insurance$131

Estimates only. Actual payments may vary.

Location

1312 S. 3rd Street

Saint Charles, IL 60174

Questions & Answers

This 3-bedroom, 2-bathroom single family at 1312 S. 3rd Street is listed at $450,000. The estimated monthly payment is $2,406 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1925.

This property is listed by Courtney Welsch.

CW

Courtney Welsch

Agent at Baird & Warner Real Estate

Listed by Baird & Warner Real Estate · Broker phone: 7736975555 · Broker website

MLS# 12755174· Source: Baird & Warner Real Estate· 53 days on PropertySimple

Copyright © 2026 Baird & Warner Real Estate. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

1312 S. 3rd Street, Saint Charles, IL 60174

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