Contact us: 563.441.1776
Description
This is a rare opportunity to own a truly amazing lakefront property combining peaceful country living, functional space, and endless possibilities-all just minutes from downtown St. Charles! This stunning 4 bedroom, 4 bath ranch home in St. Charles offers the perfect blend of comfort, space, and versatility. Enjoy lakefront living with private lake access-ideal for boating, fishing, or simply relaxing by the water. A studio apartment/in law suite with a full kitchen and private full bath offers flexible generational living or rental possibilities and is considered the 4th bedroom and 4th bathroom for this home! Inside, the open living and dining room combo features a cozy fireplace and access to a spacious deck overlooking the lake. The kitchen with an eating area provides plenty of room for everyday meals and gatherings. The finished walk-out basement includes a second fireplace and additional living space for entertaining or relaxation. Outside, you'll find a 3-car detached garage, plus a 12x32 drive-through shed (second 2-stall garage) perfect for storage, hobbies, or equipment. With tranquil water views and nature all around, this lakefront haven offers the perfect blend of relaxation and refined living-you'll never want to leave.
Property Highlights
Property Type: Residential - Single Family
Total Living Area SF: 3,398
Lot Size: 1.97 acres
Walkout Basement
Garage Size: 3
Built in 1963
School District: District 303
River Front
Brick Exterior
Two Fireplaces
General Information
Bedrooms: 4
Bathrooms: 4
Sqft: 3,398
County: Kane
Listed By:
Keller Williams Infinity
630-778-5800
MRED MLS
MLS ID: 12595319
Room Information
Bonus Room: 13X11
Family Room - Down: 22X27
Foyer: 5X12
Bedroom 2: 9X11
Bedroom 3: 8X12
Bedroom 4: 16X22
Dining Room: 8X11
Kitchen: 9X20
Laundry: 11X17
Living Room: 12X17
Primary Bedroom: 9X13
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41w331 Empire Road, Saint Charles, IL 60175.
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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $614,999 | $614,999 | $614,999 |
| Down Payment | $123,000 | $21,525 | $153,750 |
| Monthly Mortgage Amount | $2,989 | $3,620 | $3,799 |
| Taxes | $856 | $856 | $856 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $270 | $0 |
| Monthly Estimated Total | $4,024 | $4,925 | $4,834 |
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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 03/24/2026. The listing information on this page last changed on 03/24/2026. 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 Tue 03/24/2026 1:16:43 AM EST) or MRED MLS (last updated Tue 03/24/2026 1:07:45 AM EST) or SCWMLS (last updated Mon 03/23/2026 11:54:49 PM EST) or Rockford Board of Realtors (NWIAR) (last updated Mon 03/23/2026 10:15:34 PM EST) or Cedar Rapids MLS (last updated Mon 03/23/2026 10:44:24 PM EST) or NEIRBR MLS (last updated Tue 03/24/2026 1:08:41 AM EST) or ICAAR MLS (last updated Mon 03/23/2026 11:37:30 PM EST) or ECIMLS (last updated Mon 03/23/2026 11:44:18 PM EST) or RMLSA (last updated Tue 03/24/2026 1:10:55 AM EST) or Muscatine MLS (last updated Tue 03/24/2026 1:15:23 AM EST) or No Coast MLS (last updated Tue 03/24/2026 12:44:19 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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