1240 Willowgate Lane
St. Charles, IL, 60174 $ 1,150,000
Bedrooms3 Baths3.1 Sq 3,636 Monthly Estimate*
$ 7,261
Multi-Family Home for sale in St. Charles, IL
for $1,150,000 with 3 bedrooms and 3 full baths, 1 half bath. This 3,636 square foot home was built in 1993.
Rare opportunity to own a Fox River waterfront luxury duplex with a first-floor primary suite in Willowgate, one of St. Charles' most desirable maintenance-free communities. Offering 2,716 square feet above grade and approximately 3,600 finished square feet including the walkout basement, this home combines an exceptional riverfront setting with a highly sought-after floor plan just minutes from downtown St. Charles, downtown Geneva, the Fox River Trail, shopping, dining, parks, and the Metra. The main level features a private den, vaulted family room filled with natural light and panoramic Fox River views, a beautifully appointed kitchen with premium Poggenpohl cabinetry, laundry room, and the first-floor primary suite. Upstairs are two spacious bedrooms connected by a Jack-and-Jill bath. The finished walkout basement offers a large recreation room, family room, bar area, full bath, and direct access to the backyard. Enjoy spectacular river views from the screened porch and paver patio. Additional highlights include a new roof (2021) and new HVAC systems (2025). Luxury riverfront homes in Willowgate rarely become available, making this an exceptional opportunity to enjoy Fox River waterfront living in one of St. Charles' premier locations.
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FeaturesGeneralLiving Area 3636
Sewer Public Sewer
Heating Natural Gas Forced Air
Cooling Central Air
Possession Closing
Roof Asphalt
Appliances Double Oven Microwave Dishwasher Refrigerator Washer Dryer Disposal Stainless Steel Appliance(s) Cooktop Range Hood Water Softener Owned
HOA Fee 623
Garage Spaces 2
Association Fee Includes Insurance Exterior Maintenance Lawn Care Snow Removal
Construction Materials Brick
Pets Allowed Cats OK Dogs OK
Year Built 1993
Township St. Charles
Tax Year 2025
Ownership Fee Simple w/ HO Assn.
Assoc Fee Paid Per Monthly
County Kane
New Construction N
Property Type Residential Attached Single
Total Rooms 11
Full Baths 3
Status New
Directions Route 31 to Willowgate - River Side
City St. Charles
High School District 303
MLS Area Campton Hills / St. Charles
Tax Annual Amount 20110
Virtual Tour https://www.zillow.com/view-imx/fbd43e4f-2c6d-49dc-8f90-58cf2d3e40fd?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard
Standard Status Active
Middle/Junior School District 303
Elementary School District 303
Sub Type 1/2 Duplex
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InteriorInterior Amenities Vaulted Ceiling(s) Wet Bar 1st Floor Bedroom
Basement Finished Walk-Out Access
Total Fireplaces 2
Fireplace Features Gas Log Gas Starter
Total Stories 2
Half Baths 1
Laundry Features Main Level
Total Bedrooms 3
Room Type Den Recreation Room Sitting Room Foyer Family Room
Total Baths 4
Bedrooms Possible 3
Bathroom Separate Shower Steam Shower No Tub
Total Number of Units 2
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ExteriorParking Features Asphalt Garage Door Opener Yes Garage Owned Attached Garage
Lot Features Common Grounds Cul-De-Sac Forest Preserve Adjacent
Water Source Public
Total Parking 2
Foundation Details Concrete Perimeter
Lot Dimensions 37x115
Waterfront Y/N Y
Other Equipment Water-Softener Owned CO Detectors Ceiling Fan(s)
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* Excluded FeaturesList ByExp Realty - St. CharlesBroker
cory@coryjonesteam.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $7,261
- Monthly Property Taxes
- $1,676
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbyAbout Saint Charles, IL 32,065 Population
13% Since 2002
$ 89,914 Median Income
41.04 Median Age
30% Households with Children
Trends Information provided by ATTOM Data Solutions.
565323 Elementary School
568071 Middle School
Unknown High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 7/8/2026 | $1,150,000 | | Listed Price |