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39w228 W Hilltop Drive, Saint Charles, IL 60175.
Set on a beautifully landscaped 1.17-acre corner lot in the sought-after Arbor Creek neighborhood of St. Charles, this one-owner 5 bedroom, 4 bath brick and vinyl Colonial offers the perfect blend of space, privacy, and convenience just minutes from downtown. A welcoming front porch, 3-car sideload garage, expansive backyard deck, and walkout basement create an ideal setting for both everyday living and entertaining. Inside, hardwood flooring throughout most of the main level, highlights a thoughtfully designed layout featuring 9' ceilings, a living room with French doors, a formal dining room with a dramatic cathedral ceiling, and a spacious family room anchored by a floor-to-ceiling masonry fireplace. The eat-in kitchen is equipped with quartz countertops, stainless steel appliances including a newer dishwasher, tile backsplash, and a bright breakfast room with slider to the deck, plus wiring in place for a wine cooler. A versatile first-floor office or 5th bedroom with built-in bookshelves sits adjacent to a full bath, along with a convenient first-floor laundry room. Upstairs, four generously sized bedrooms include the primary suite with a walk-in closet and a deluxe private bath featuring a double bowl vanity, whirlpool tub, and updated shower. Both upstairs bathrooms offer instant on hot water. The finished walkout basement expands your living space with a large rec room and full bath, with potential to add a patio at the walkout level. Major updates include a new roof in 2022, fresh exterior paint, and HVAC in 2015, along with new skylights. Additional features include a whole-house water filtration system, industrial-grade HEPA filter, basement freezer, 800-foot well, and zoning that allows for a future pool. Enjoy the rare combination of large-lot privacy and proximity to schools, including the nearby elementary school, all within one of St. Charles' most desirable communities. *Room sizes are approximate.
MLS ID: 12598516
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39w228 W Hilltop Drive, Saint Charles, IL 60175.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $709,900 | $709,900 | $709,900 |
| Down Payment | $141,980 | $24,847 | $177,475 |
| Monthly Mortgage Amount | $3,451 | $4,179 | $4,386 |
| Taxes | $988 | $988 | $988 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $312 | $0 |
| Monthly Estimated Total | $4,646 | $5,686 | $5,581 |