$840,000
SOLD JUN 6, 2025
4 Beds
2.5 Baths
3,519 Sq Ft
1.25 Acres

Recently Sold

$239 Per Sq Ft

1% Below List Price

30 Days on Market

Highlights

  • 1.25 Acre Lot
  • Cape Cod Architecture
  • Recreation Room
  • Ferson Creek Elementary School Rated A
  • Landscaped Professionally
  • Wood Flooring

About This Home

As of June 2025

This stunning Cape Cod-style home is ideally positioned on an elevated 1.25-acre lot at the heart of a quiet cul-de-sac in the highly desirable Three Lakes subdivision. Surrounded by professionally landscaped grounds, the home exudes timeless charm and curb appeal. Step through the front door into an impressive two-story foyer with an open staircase that sets the tone for the home's elegant interior. To the right, glass-paned French doors open to a private office-perfect for remote work or study-while to the left, a spacious living room offers an inviting space for entertaining guests. Throughout the home, numerous recent updates combine classic character with modern comfort. In 2024, the home received new windows and a sliding exterior door, along with beautifully refinished hardwood floors. The kitchen, fully remodeled in 2023, is a true centerpiece, featuring custom cabinetry, a large island with quartz countertops, and seating for seven. High-end stainless steel appliances include a Liebherr four-door refrigerator, Electrolux double oven, five-burner cooktop, and dishwasher. Ideally situated between the dining room and family room, the kitchen offers an ideal flow for both daily living and entertaining. The warm and welcoming family room includes hardwood flooring, a cozy fireplace, beamed ceiling, and sliding glass doors that lead to an expansive patio. Complete with a pergola, the patio provides a shaded retreat perfect for outdoor dining and relaxation. Upstairs, the generous primary suite offers a peaceful escape, featuring a large walk-in closet, dual quartz vanities, a separate shower, and a luxurious two-person Jacuzzi tub. The updated Jack-and-Jill bathroom (2024) serves three additional bedrooms and includes a new double-bowl quartz vanity, updated tile flooring, and a modernized shower. Bedroom two features custom built-in cabinetry and a walk-in cedar closet. Bedroom three also offers a walk-in closet, while bedroom four includes two closets for ample storage. The finished basement expands the home's living space with a versatile recreation area, ideal for a media room, office, or craft space, plus ample storage. A three-car side-load garage provides additional space for a third vehicle, bicycles, or recreational gear. Garden enthusiasts will appreciate the beautifully maintained backyard garden, offering a serene space to grow and relax. Additional upgrades include: Reverse osmosis system at the kitchen sink, Lennox furnace with AprilAire humidifier (2020) Roof and skylights replacement (2022). Main water shutoff system (2024) New well (2018) Two new hot water heaters (2022), and a water monitoring system that detects leaks. This meticulously maintained home is move-in ready-offering comfort, style, and convenience in the heart of beautiful St. Charles.

Last Agent to Sell the Property

Donna McQuade

Coldwell Banker Real Estate Group License #471004390 Listed on: 04/04/2025

Coldwell Banker Real Estate Group

Last Buyer's Agent

Jacob Kilts

HomeSmart Realty Group License #475172030

HomeSmart Realty Group

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $13,378

Year Built

  • Built in 1994 | Remodeled in 2022

Lot Details

  • 1.25 Acre Lot
  • Lot Dimensions are 22 x 25 x 45 x 320 x 365 x 179
  • Cul-De-Sac
  • Landscaped Professionally
  • Paved or Partially Paved Lot

HOA Fees

  • $23 Monthly HOA Fees

Parking

  • 3 Car Garage
  • Driveway
  • Parking Included in Price

Home Design

  • Cape Cod Architecture
  • Brick Exterior Construction
  • Asphalt Roof
  • Concrete Perimeter Foundation

Interior Spaces

  • 3,519 Sq Ft Home
  • 2-Story Property
  • Built-In Features
  • Bookcases
  • Beamed Ceilings
  • Ceiling Fan
  • Wood Burning Fireplace
  • Fireplace With Gas Starter
  • Fireplace Features Masonry
  • Window Treatments
  • Window Screens
  • Family Room with Fireplace
  • Formal Dining Room
  • Home Office
  • Recreation Room
  • Game Room
  • Dormer Attic
  • Carbon Monoxide Detectors

Kitchen

  • Double Oven
  • Gas Oven
  • Gas Cooktop
  • Range Hood
  • Microwave
  • High End Refrigerator
  • Dishwasher
  • Stainless Steel Appliances
  • Granite Countertops

Flooring

  • Wood
  • Carpet

Bedrooms and Bathrooms

  • 4 Bedrooms
  • 4 Potential Bedrooms
  • Walk-In Closet
  • Dual Sinks
  • Whirlpool Bathtub
  • Separate Shower

Laundry

  • Laundry Room
  • Dryer
  • Washer
  • Sink Near Laundry

Basement

  • Basement Fills Entire Space Under The House
  • Sump Pump

Outdoor Features

  • Patio
  • Fire Pit
  • Pergola

Schools

  • Ferson Creek Elementary School
  • Thompson Middle School
  • St Charles North High School

Utilities

  • Central Air
  • Heating System Uses Natural Gas
  • Well
  • Multiple Water Heaters
  • Gas Water Heater
  • Water Purifier is Owned
  • Water Softener is Owned
  • Septic Tank
  • Cable TV Available

Community Details

  • Association fees include insurance
  • Three Lakes Subdivision

Listing and Financial Details

  • Homeowner Tax Exemptions

Home Details

Home Type

Single Family

Est. Annual Taxes

$13,378

Year Built

Built in 1994 | Remodeled in 2022

Lot Details

0

HOA Fees

$23 per month

Parking

3

Listing Details

  • Property Type: Residential
  • Property Type: Detached Single
  • Type Detached: 2 Stories
  • Ownership: Fee Simple
  • ArchitecturalStyle: Cape Cod
  • New Construction: No
  • Property Sub-Type: 2 Stories
  • Subdivision Name: Three Lakes
  • Year Built: 1994
  • Age: 31-40 Years
  • Built Before 1978 (Y/N): No
  • Disability Access and/or Equipped: No
  • General Information: School Bus Service
  • Rebuilt (Y/N): No
  • Rehab (Y/N): Yes
  • Rehab Year: 2022
  • Special Features: None
  • Property Sub Type: Detached
  • Year Renovated: 2022

Interior Features

  • Appliances: Double Oven, Microwave, Dishwasher, Refrigerator, High End Refrigerator, Washer, Dryer, Stainless Steel Appliance(s), Cooktop, Range Hood, Water Purifier Owned, Water Softener, Water Softener Owned, Gas Cooktop, Gas Oven
  • Basement: Finished, Partially Finished, Egress Window, Rec/Family Area, Storage Space, Full
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bathrooms: 3
  • Total Bedrooms: 4
  • Fireplace Features: Wood Burning, Gas Starter, Masonry
  • Fireplaces: 1
  • Flooring: Hardwood
  • Interior Amenities: Cathedral Ceiling(s), Built-in Features, Walk-In Closet(s), Bookcases, High Ceilings, Beamed Ceilings, Granite Counters, Separate Dining Room
  • LivingArea: 3519
  • Other Equipment: Water-Softener Owned, TV-Cable, CO Detectors, Ceiling Fan(s), Sump Pump, Backup Sump Pump;, Multiple Water Heaters, Water Heater-Gas
  • Room Type: Office, Recreation Room, Game Room
  • Window Features: Screens, Drapes
  • Estimated Total Finished Sq Ft: 0
  • Bathroom Amenities: Whirlpool,Separate Shower,Double Sink
  • Basement Bathrooms: No
  • Below Grade Bedrooms: 0
  • Dining Room: Combined w/ LivRm
  • Total Sq Ft: 0
  • Fireplace Location: Family Room
  • Total Sq Ft: 0
  • Attic: Dormer
  • Door Features: French Doors,Sliding Glass Door(s)
  • Window Features: All,Screens,Window Treatments
  • Flooring: Carpet

Exterior Features

  • Construction Materials: Brick, Cedar
  • ExteriorFeatures: Fire Pit
  • Foundation Details: Concrete Perimeter
  • List Price: 850000
  • Lot Features: Cul-De-Sac, Landscaped
  • OtherStructures: Pergola, Garage(s)
  • Patio And Porch Features: Patio
  • Roof: Asphalt
  • Waterfront: No

Garage/Parking

  • Garage Spaces: 3
  • Parking Features: Asphalt, Garage Door Opener, On Site, Garage Owned, Attached, Garage
  • ParkingTotal: 3

Utilities

  • Sewer: Septic Tank
  • Cooling: Central Air
  • Electric: Circuit Breakers
  • Heating: Natural Gas
  • Laundry Features: Main Level, Gas Dryer Hookup, In Unit, Sink
  • Water Source: Well

Condo/Co-op/Association

  • Association Fee: 275
  • Association Fee Frequency: Annually
  • Community Features: Street Paved
  • Master Association Fee: No
  • Master Association Fee Frequency: Not Required

Fee Information

  • Association Fee Includes: Insurance

Schools

  • Elementary School: Ferson Creek Elementary School
  • High School: St Charles North High School
  • Middle/Junior School: Thompson Middle School
  • Middle/Junior School District: 303

Lot Info

  • Lot Size Acres: 1.25
  • Lot Dimensions: 22 X 25 X 45 X 320 X 365 X 179
  • Rural (Y/N): N
  • Lot Size: 1.0-1.99 Acres
  • Special Assessments: N
  • Zero Lot Line: No

Rental Info

  • Board Number: 5
  • Is Parking Included in Price: Yes

Tax Info

  • Tax Annual Amount: 13378
  • Tax Year: 2023
  • Tax Exemptions: Homeowner

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Apr 4, 2025
Closed on
May 23, 2025
Sold by
Bowen Adam and Bowen Laura
Bought by
Rebuck Edison and Rebuck Jasmine A
Seller's Agent
Donna McQuade
Coldwell Banker Real Estate Group
Buyer's Agent
Jacob Kilts
HomeSmart Realty Group
List Price
$850,000
Sold Price
$840,000
Premium/Discount to List
-$10,000
-1.18%
Views
111

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.96%
Original Mortgage
$660,000
Outstanding Balance
$659,433
Interest Rate
6.76%
Mortgage Type
VA
Estimated Equity
$189,373

Purchase Details

Listed on
Jun 21, 2018
Closed on
Aug 10, 2018
Sold by
Clark James R and Clark Michelle M
Bought by
Bowen Adam and Bowen Laura
Seller's Agent
Frank Lardino
Keller Williams Preferred Realty
Buyer's Agent
Stephanie Doherty
HomeSmart Connect LLC
List Price
$499,000
Sold Price
$470,000
Premium/Discount to List
-$29,000
-5.81%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
8.87%
Original Mortgage
$376,000
Interest Rate
4.5%
Mortgage Type
New Conventional

Purchase Details

Listed on
Mar 21, 2016
Closed on
May 21, 2016
Sold by
Batton Lisa S
Bought by
Clark James R and Clark Michelle M
Seller's Agent
Kathleen Shearon
Baird & Warner Fox Valley - Geneva
Buyer's Agent
Dana Hybl
CARE Real Estate
List Price
$469,000
Sold Price
$447,000
Premium/Discount to List
-$22,000
-4.69%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
2.32%
Original Mortgage
$417,000
Interest Rate
3.61%
Mortgage Type
New Conventional

Purchase Details

Closed on
Jul 28, 1997
Sold by
Johnson W Ross and Johnson Maria S
Bought by
Batton James M and Batton Lisa S

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$304,000
Interest Rate
7.1%

Purchase Details

Closed on
May 11, 1995
Sold by
Huntington Homes Inc
Bought by
Johnson W Ross and Johnson Maria S

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$308,000
Interest Rate
7.37%

Purchase Details

Closed on
Aug 18, 1994
Sold by
Three Lakes Development Corp
Bought by
Huntington Homes Inc
Source: Public Records

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $840,000 None Listed On Document
Warranty Deed $470,000 Chicago Title Insurance Co
Warranty Deed $447,000 Baird & Warner Title Service
Warranty Deed $253,333 --
Warranty Deed $385,000 Chicago Title Insurance Co
Warranty Deed $72,000 Chicago Title Insurance Co
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $660,000 VA
Previous Owner $369,800 New Conventional
Previous Owner $376,000 New Conventional
Previous Owner $417,000 New Conventional
Previous Owner $296,100 Unknown
Previous Owner $300,000 Unknown
Previous Owner $304,000 No Value Available
Previous Owner $308,000 No Value Available
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
06/06/2025 06/06/25 Sold $840,000 -1.2% $239 / Sq Ft
05/04/2025 05/04/25 Pending -- -- --
04/22/2025 04/22/25 For Sale $850,000 0.0% $242 / Sq Ft
04/15/2025 04/15/25 Pending -- -- --
04/04/2025 04/04/25 For Sale $850,000 +80.9% $242 / Sq Ft
08/10/2018 08/10/18 Sold $470,000 -5.8% $134 / Sq Ft
07/06/2018 07/06/18 Pending -- -- --
06/21/2018 06/21/18 For Sale $499,000 +11.6% $142 / Sq Ft
06/01/2016 06/01/16 Sold $447,000 -4.7% $127 / Sq Ft
04/07/2016 04/07/16 Pending -- -- --
03/21/2016 03/21/16 For Sale $469,000 -- $133 / Sq Ft
Source: Midwest Real Estate Data (MRED)

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $14,029 $206,165 $47,308 $158,857
2023 $13,378 $184,520 $42,341 $142,179
2022 $13,310 $180,002 $44,561 $135,441
2021 $12,555 $171,577 $42,475 $129,102
2020 $12,471 $168,378 $41,683 $126,695
2019 $12,249 $165,044 $40,858 $124,186
2018 $12,530 $168,337 $41,375 $126,962
2017 $12,212 $162,581 $39,960 $122,621
2016 $13,226 $161,175 $38,557 $122,618
2015 -- $152,340 $38,141 $114,199
2014 -- $156,211 $38,141 $118,070
2013 -- $157,066 $38,522 $118,544
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Midwest Real Estate Data (MRED)

MLS Number: 12321232

Midwest Real Estate Data (MRED)

APN: 09-06-452-007