Cindy Schmalz
@properties Christie's International Real Estate
(224) 970-2975
110 Total Sales
11 in Mill Creek
$51K - $736K Price Range
39W380 Armstrong Ln Geneva, IL 60134
Mill Creek NeighborhoodEstimated Value: $496,778
3
Beds
2.5
Baths
3,160
Sq Ft
$157/Sq Ft
Est. Value
Highlights
- Colonial Architecture
- Landscaped Professionally
- Deck
- Geneva Middle School North Rated A-
- Community Lake
- Property is near park
About This Home
As of January 2026Welcome to this updated 3-bedroom, 2.5-bath two-story gem in the desirable Mill Creek community of Geneva! Set on a premium lot with golf course views from the inviting front porch, this home is move-in ready with brand-new carpet on both levels, freshly painted walls, and luxury vinyl plank flooring in the sunroom. Inside, enjoy a soaring two-story living room with a floor-to-ceiling masonry fireplace, a private home office with French doors, and a sunroom that opens to the deck-perfect for relaxing or entertaining. The kitchen features a walk-in pantry and connects to a spacious dining area. Upstairs, the primary suite includes a walk-in closet and a private bath with soaking tub, double vanity, and separate shower. The finished basement adds even more living space. Zoned, computer-controlled HVAC has been recently overhauled for top efficiency. A small HOA covers lawn care and snow removal, offering low-maintenance living in a beautiful setting. Sold as-is, but with the big-ticket items already done-this one's a smart buy!
Last Agent to Sell the Property
One Source Realty License #471007391 Listed on: 09/19/2025
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Home Details
Home Type
- Single Family
Est. Annual Taxes
- $12,995
Year Built
- Built in 2003
Lot Details
- 4,792 Sq Ft Lot
- Dog Run
- Fenced
- Landscaped Professionally
HOA Fees
- $125 Monthly HOA Fees
Parking
- 2 Car Attached Garage
- Parking Available
- Garage Door Opener
- Driveway
- Parking Included in Price
Home Design
- Colonial Architecture
- Brick Exterior Construction
- Asphalt Roof
- Concrete Perimeter Foundation
Interior Spaces
- 3,160 Sq Ft Home
- 2-Story Property
- Cathedral Ceiling
- Ceiling Fan
- Wood Burning Fireplace
- Window Screens
- Family Room
- Living Room with Fireplace
- Dining Room
- Den
- Bonus Room
- Sun or Florida Room
- Unfinished Attic
Kitchen
- Breakfast Bar
- Range
- Microwave
- Dishwasher
- Disposal
Flooring
- Wood
- Carpet
Bedrooms and Bathrooms
- 3 Bedrooms
- 3 Potential Bedrooms
- Walk-In Closet
- Dual Sinks
- Soaking Tub
- Separate Shower
Laundry
- Laundry Room
- Dryer
- Washer
Finished Basement
- Basement Fills Entire Space Under The House
- Sump Pump
Outdoor Features
- Deck
- Patio
Location
- Property is near park
Schools
- Mill Creek Elementary School
- Geneva Middle School
- Geneva Community High School
Utilities
- Forced Air Heating and Cooling System
- Humidifier
- Heating System Uses Natural Gas
- Water Softener is Owned
Community Details
Overview
- Association fees include lawn care, snow removal
- Mill Creek Subdivision, Bayberry I Floorplan
- Community Lake
Recreation
- Community Pool
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Sep 19, 2025
Closed on
Jan 20, 2026
Sold by
Bought by
Seller's Agent
Matt Kombrink
One Source Realty
Buyer's Agent
Marisela Aguilar
The Agency
List Price
$474,900
Sold Price
$440,000
Premium/Discount to List
-$34,900
-7.35%
Views
215
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$56,778
Avg. Annual Appreciation
25.73%
Original Mortgage
$270,000
Outstanding Balance
$268,676
Interest Rate
6.13%
Mortgage Type
New Conventional
Estimated Equity
$228,102
Purchase Details
Closed on
Feb 11, 2004
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$288,364
Interest Rate
5.96%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Jan 19, 2004
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$288,364
Interest Rate
5.96%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Oct 31, 2000
Sold by
Bought by
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Mill Creek, IL
-
Cindy Schmalz
-
Lisa Wolf
Lisa Wolf
Keller Williams North Shore West
(224) 332-2538
1,081 Total Sales
1 in Mill Creek
$475,000 Price
-
Marzena Castillo
Marzena Castillo
Baird & Warner Fox Valley - Geneva
(866) 527-7146
23 Total Sales
1 in Mill Creek
$555,000 Price
-
Atur Bitivan
Atur Bitivan
Sky High Real Estate Inc.
(877) 641-2409
49 Total Sales
1 in Mill Creek
$477,000 Price
-
Chris Bishop
Chris Bishop
eXp Realty - St. Charles
(708) 866-1632
70 Total Sales
1 in Mill Creek
$685,000 Price
-
Mary Bruno
Mary Bruno
Keller Williams Inspire - Geneva
(331) 244-1967
138 Total Sales
62 in Mill Creek
$350K - $835K Price Range
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $440,000 | None Listed On Document | ||
| $360,500 | Chicago Title Insurance Co | ||
| -- | Chicago Title Insurance Comp | ||
| -- | Chicago Title Insurance Co |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | $270,000 | ||
| Previous Owner | $232,000 | ||
| Previous Owner | $250,000 | ||
| Previous Owner | $200,000 | ||
| Previous Owner | $216,000 | ||
| Previous Owner | $288,364 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 01/23/2026 01/23/26 | Sold | $440,000 | -5.4% | $139 / Sq Ft |
| 12/10/2025 12/10/25 | Pending | -- | -- | -- |
| 10/29/2025 10/29/25 | Price Changed | $464,900 | -2.1% | $147 / Sq Ft |
| 09/19/2025 09/19/25 | For Sale | $474,900 | -- | $150 / Sq Ft |
Source: Midwest Real Estate Data (MRED)
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| 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 |
|---|---|---|---|---|
| 2025 | $13,433 | $170,336 | $20,790 | $149,546 |
| 2024 | $13,433 | $156,430 | $19,093 | $137,337 |
| 2023 | $12,613 | $141,182 | $17,232 | $123,950 |
| 2022 | $12,362 | $135,771 | $15,815 | $119,956 |
| 2021 | $11,975 | $129,949 | $15,137 | $114,812 |
| 2020 | $11,649 | $126,903 | $14,782 | $112,121 |
| 2019 | $11,615 | $125,040 | $14,565 | $110,475 |
| 2018 | $11,726 | $126,532 | $14,565 | $111,967 |
| 2017 | $11,723 | $125,093 | $14,399 | $110,694 |
| 2016 | $11,061 | $117,108 | $14,019 | $103,089 |
| 2015 | -- | $107,397 | $13,472 | $93,925 |
| 2014 | -- | $106,598 | $14,991 | $91,607 |
| 2013 | -- | $106,598 | $14,991 | $91,607 |
Source: Public Records
Agents Affiliated with this Home
-
Matt Kombrink
Seller's Agent in 2026
Matt Kombrink
One Source Realty
(630) 803-8444
11 in this area
943 Total Sales
-
Brigham Miller
Seller Co-Listing Agent in 2026
Brigham Miller
RE/MAX
(630) 763-9070
2 in this area
35 Total Sales
-
Marisela Aguilar
Buyer's Agent in 2026
Marisela Aguilar
The Agency
(708) 275-5293
1 in this area
103 Total Sales
Map
Source: Midwest Real Estate Data (MRED)
MLS Number: 12450615
APN: 11-12-407-009
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website.
Listings courtesy of Midwest Real Estate Data (MRED) as distributed by MLS GRID.
Based on information submitted to the MLS GRID
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