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1414 S 4th Street, Saint Charles, IL 60174.
Situated in the highly sought-after Davis School neighborhood, this beautifully updated 5-bedroom, 3-bath Cape Cod offers more than 2,400 square feet of thoughtfully designed living space just minutes from both downtown St. Charles and downtown Geneva. Blending timeless architecture with sophisticated modern updates, this exceptional home offers a versatile floor plan designed for today's lifestyle. Refinished hardwood floors, custom wainscoting, crown molding, and updated lighting create a warm yet elegant atmosphere throughout the main level. The beautifully renovated kitchen features white shaker cabinetry, quartz countertops, a subway tile backsplash, stainless steel appliances, a farmhouse sink, and an oversized breakfast bar that flows seamlessly into the dining area-perfect for everyday living and effortless entertaining. Just beyond, the dramatic two-story family room serves as the heart of the home, showcasing soaring ceilings, clerestory windows that fill the space with natural light, and sliding glass doors leading to the expansive deck and backyard. The first-floor primary suite offers a private retreat with a beautifully updated bath and two custom walk-in closets, while an additional main-level bedroom provides exceptional flexibility for guests, a home office, or multigenerational living. Upstairs, you'll find three generously sized bedrooms and a beautifully renovated full bath. Outside, the thoughtfully reimagined exterior showcases newer siding, added brick accents, and professionally designed landscaping, creating exceptional curb appeal. The beautifully landscaped, fully fenced backyard offers a spacious deck, an in-ground pool, and plenty of green space for relaxing, entertaining, or enjoying family time. A widened driveway provides additional parking, while the heated tandem garage with an epoxy floor adds both functionality and versatility. Additional highlights include first-floor laundry, dual HVAC systems, and numerous thoughtful updates throughout. Ideally located near parks, shopping, dining, and award-winning St. Charles schools, this exceptional home offers the perfect combination of style, space, and location.
MLS ID: 12689122
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1414 S 4th Street, Saint Charles, IL 60174.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $599,000 | $599,000 | $599,000 |
| Down Payment | $119,800 | $20,965 | $149,750 |
| Monthly Mortgage Amount | $2,951 | $3,574 | $3,731 |
| Taxes | $834 | $834 | $834 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $263 | $0 |
| Monthly Estimated Total | $3,960 | $4,846 | $4,740 |
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