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203 N 4th Ave, Saint Charles, IL, 60174

4beds
4baths
2,678sqft
$779,000
$291price/sqft
$5,897/moest. monthly cost
$235,880/yrincome needed

About This Home

Set on a professionally landscaped corner in the coveted St. Charles Historic District, 203 N 4th Ave places in-town St. Charles living just steps from the Friday farmers market, downtown restaurants and social scene, the Riverwalk, Pottawatomie Park and Golf Course, the library, shops, and the Fox River. Designed to live and present like a detached single-family home, this beautifully remodeled residence pairs 2,678 SF above grade with an additional 1,063 SF of finished lower-level space, private-feeling outdoor areas, a fenced yard, and an oversized, deep attached 2-car garage. Inside, a vaulted foyer with stained-glass detail, rich woodwork, iron balusters, plantation shutters, crown molding, and warm, timeless finishes sets the tone for a home remodeled by the current owners with exceptional attention to quality. The main level is open while thoughtfully defined, connecting a generous living room anchored by a stone fireplace, a separate dining area, and a well-appointed kitchen with abundant custom cabinetry, granite countertops, stainless-steel appliances, a Viking gas range, pantry closet, and breakfast bar. A main-floor office, currently used as a study and also suitable as a fourth bedroom, sits near an adjacent full bath, creating valuable flexibility for guests, work-from-home, or main-level living needs. Seamlessly adjacent to the living room, patio doors with exquisite stained-glass transom detail open to a spacious Trex deck designed for dining, grilling, entertaining, and relaxing, surrounded by mature professional landscaping, outdoor lighting, fenced green space, and remarkable privacy for an in-town setting. Upstairs, the primary suite is a true retreat with vaulted ceilings, plantation shutters, a generous custom-organized walk-in closet, and a spa-like bath, dual vanities, hydrotherapy soaking tub, separate full-body shower, and private water closet. Two additional bedrooms share a Jack-and-Jill bath, while second-floor laundry with ample cabinetry and a utility sink keeps the upper level practical and polished. The finished lower level extends the home's livability with a large recreation/media area, fireplace, billiards/game space, full bath, bonus room, extensive storage with shelving systems, and a built-in wet bar with live-edge bar top, bar refrigerator, and open shelving. With four bedrooms, four full baths, two fireplaces, and generous closets throughout, this is a standout opportunity for buyers who want the charm and convenience of downtown St. Charles without giving up space, storage, privacy, or finish quality.

Getting Around

82
WalkingVery Walkable
0
TransitVery Limited Transit
66
BikeBikeable

Schools

8/10
7/10
Wredling Middle SchoolGrades 6-82.0 mi
7/10

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Brick,Cedar,Stone

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse,Duplex,Single Family Residence

Interior

Appliances

  • Appliances included: Double Oven,Range,Microwave,Dishwasher,Refrigerator,Bar Fridge,Washer,Dryer,Disposal,Stainless Steel Appliance(s),Oven,Water Purifier,Water Softener,Water Softener Owned,Front Controls on Range/Cooktop,Gas Cooktop,Gas Oven,Humidifier,Gas Water Heater
  • Laundry features: Upper Level,In Unit,Sink

Bar Entertainment

  • Features: Flooring (Luxury Vinyl),Window Treatments (Window Treatments)
  • Level: Basement
  • Area: 187
  • Dimensions: 17X11

Basement

  • Has basement: Yes
  • Basement: Finished,Egress Window,8 ft + pour,Rec/Family Area,Storage Space,Full

Bedroom2

  • Features: Flooring (Carpet),Window Treatments (Plantation Shutters)
  • Level: Second
  • Area: 225
  • Dimensions: 15X15

Bedroom3

  • Features: Flooring (Carpet),Window Treatments (Plantation Shutters)
  • Level: Second
  • Area: 168
  • Dimensions: 12X14

Bedroom4

  • Features: Flooring (Wood Laminate),Window Treatments (Plantation Shutters)
  • Level: Main
  • Area: 168
  • Dimensions: 12X14

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Bonus Room

  • Features: Flooring (Luxury Vinyl)
  • Level: Basement
  • Area: 130
  • Dimensions: 13X10

Deck

  • Features: Flooring (Simulated Wood)
  • Level: Main
  • Area: 270
  • Dimensions: 15X18

Dining Room

  • Features: Flooring (Luxury Vinyl),Window Treatments (Plantation Shutters)
  • Level: Main
  • Area: 221
  • Dimensions: 17X13

Family Room

  • Features: Flooring (Luxury Vinyl),Window Treatments (Window Treatments)
  • Level: Basement
  • Area: 434
  • Dimensions: 31X14

Features

  • Vaulted Ceiling(s),Wet Bar,1st Floor Bedroom,Storage,Built-in Features,Walk-In Closet(s),High Ceilings,Open Floorplan,Granite Counters,Pantry
  • Window features: Skylight(s),Drapes,Plantation Shutters,Some Stained Glass
  • Flooring: Hardwood,Laminate
  • Number of fireplaces: 2
  • Fireplace features: Gas Log,Family Room,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,063

Foyer

  • Features: Flooring (Luxury Vinyl),Window Treatments (Some Stained Glass)
  • Level: Main
  • Area: 156
  • Dimensions: 12X13

Heating & Cooling

  • Heating features: Natural Gas,Radiant Floor
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,849
  • Total interior livable area: 2,678 sqft

Kitchen

  • Features: Kitchen (Eating Area-Breakfast Bar,Pantry-Closet,Custom Cabinetry,Granite Counters,Updated Kitchen),Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 225
  • Dimensions: 15X15

Laundry

  • Features: Flooring (Ceramic Tile)
  • Level: Second
  • Area: 54
  • Dimensions: 6X9

Living Room

  • Features: Flooring (Luxury Vinyl),Window Treatments (Plantation Shutters,Some Stained Glass)
  • Level: Main
  • Area: 240
  • Dimensions: 15X16

Master Bedroom

  • Features: Flooring (Carpet),Window Treatments (Blinds,Plantation Shutters),Bathroom (Full,Double Sink,Whirlpool & Sep Shwr)
  • Level: Second
  • Area: 324
  • Dimensions: 18X18

Storage

  • Level: Basement
  • Area: 108
  • Dimensions: 9X12

Walk In Closet

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 80
  • Dimensions: 8X10

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0927451006
  • Special condition: None
  • Other equipment: Water-Softener Owned,TV-Cable,Ceiling Fan(s),Sump Pump,Backup Sump Pump;

Features

  • Patio & porch: Deck
  • Exterior features: Lighting
  • Fencing: Fenced

Lot

  • Features: Corner Lot,Landscaped,Mature Trees

Parking

  • Total spaces: 4.5
  • Parking features: Concrete,Garage Door Opener,Garage,EV Ready,Yes,Garage Owned,Attached,Owned
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado

FEMA Declared Disasters Across Illinois Counties

Flood

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,939$47,268
Home Insurance *$338$4,056
Property Taxes $1,415$16,980
Electricity $205$2,471
Total$5,897$70,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$202,182/yr
40% on housing$176,910/yr
45% on housing$157,253/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$291This listing

vs Other Active Listings

Avg $/sqft

ZIP 60174$264
Kane County$212

vs Homes Sold Last Month

Median $/sqft

ZIP 60174$249
Kane County$207

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2019-01-14Sold$380,000
2017-07-14Listing removed$2,400
2017-05-29Listed for rent$2,400
2009-02-13Listing removed$499,000
2008-11-01Listed for sale$499,000
2008-08-04Listing removed$499,900
2008-05-29Listed for sale$499,900
2003-04-29Sold$155,000

For Sale by Agent

AgentRyan Sjostrom
BrokerageCompass

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