Contact us: 563.441.1776
Description
Welcome to this beautifully updated, move-in-ready home in the heart of St. Charles! This exceptional 3-bedroom, 3-bathroom property offers the perfect blend of modern updates, functional living space, and an incredible outdoor retreat. Step inside to discover brand-new wood flooring, new interior doors, fresh paint throughout, and new carpet in the finished basement. The updated kitchen features elegant quartz countertops, stainless steel appliances, and plenty of space for cooking and entertaining. The finished basement can double as a private in-law suite, providing flexible living arrangements for guests or extended family. Enjoy peace of mind with numerous exterior upgrades, including Renewal by Andersen windows, durable Hardie siding, custom garage doors, an expanded driveway, and updated exterior lighting. Outdoor living is where this home truly shines. Relax on the screened-in porch, entertain under the beautiful pergola on the Trex deck, or gather with friends and family on the spacious concrete patio. The large backyard also features two brand-new storage sheds (10' x 16' and 8' x 8')-perfect for his and hers storage, hobbies, or gardening supplies. Raised garden boxes, established blackberry and raspberry bushes, and stunning perennial landscaping create a private backyard oasis you'll enjoy season after season. Conveniently located within walking distance of Otter Cove Aquatic Park, Hickory Knolls Discovery Center & Nature Preserve, basketball courts, soccer fields, pickleball courts, and walking trails, this home offers an unbeatable combination of recreation and convenience. Located in the highly coveted St. Charles Community Unit School District 303, this home provides access to one of the area's most sought-after school systems. With thoughtful updates throughout, outstanding outdoor amenities, and an ideal location, this turnkey St. Charles home is ready for its next owners to move in and enjoy!
Property Highlights
Property Type: Residential - Single Family
Total Living Area SF: 2,474
Walkout Basement
Garage Size: 2
Attached Garage
Built in 1975
School District: District 303
One Fireplace
General Information
Bedrooms: 3
Bathrooms: 3
Sqft: 2,474
County: Kane
Listed By:
Coldwell Banker Realty
312-266-7000
MRED MLS
MLS ID: 12731387
Room Information
Kitchen- 2nd: 13X12
Enclosed Porch: 19X11
Bedroom 2: 15X13
Bedroom 3: 13X13
Dining Room: 13X15
Family Room: 32X15
Kitchen: 13X16
Laundry: 17X15
Living Room: 13X15
Primary Bedroom: 16X15
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38w274 Bernice Drive, Saint Charles, IL 60174.
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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $529,900 | $529,900 | $529,900 |
| Down Payment | $105,980 | $18,547 | $132,475 |
| Monthly Mortgage Amount | $2,645 | $3,246 | $3,300 |
| Taxes | $737 | $737 | $737 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $233 | $0 |
| Monthly Estimated Total | $3,537 | $4,371 | $4,192 |
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 08/19/2026. The listing information on this page last changed on 08/19/2026. 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 Wed 08/19/2026 1:34:55 AM EST) or MRED MLS (last updated Wed 08/19/2026 1:29:16 AM EST) or SCWMLS (last updated Tue 08/18/2026 11:54:40 PM EST) or Rockford Board of Realtors (NWIAR) (last updated Tue 08/18/2026 10:15:22 PM EST) or Cedar Rapids MLS (last updated Tue 08/18/2026 10:44:13 PM EST) or NEIRBR MLS (last updated Wed 08/19/2026 1:18:40 AM EST) or ICAAR MLS (last updated Tue 08/18/2026 11:37:27 PM EST) or ECIMLS (last updated Tue 08/18/2026 11:44:33 PM EST) or RMLSA (last updated Wed 08/19/2026 1:10:53 AM EST) or Muscatine MLS (last updated Wed 08/19/2026 1:30:08 AM EST) or No Coast MLS (last updated Wed 08/19/2026 12:44:22 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.
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