1005 Fern Ave, Saint Charles, IL, 60174
About This Home
Do you need a multi-family home? Make this one your own. Invite your in-laws, grown children or work from home in your own separate space. Two levels, each complete homes unto themselves. The main floor has 3 bedrooms, 2 full baths, family room and kitchen. The 2nd floor has the primary suite, a second bedroom and bath, office, huge kitchen and living room. Come see for yourself! Cinch Home Warranty included. LEASE BACK MAY BE NEEDED IN ORDER TO MOVE INTO NEW HOME. 30 DAY MAXIMUM. SOLD AS IS !!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1959
Materials
- Foundation: Concrete Perimeter
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Double Oven,Range,Refrigerator,Freezer,Washer,Dryer,Disposal,Trash Compactor,Humidifier
- Laundry features: Main Level,Gas Dryer Hookup,In Unit
Basement
- Has basement: Yes
- Basement: Unfinished,Full
Bedroom2
- Features: Flooring (Carpet)
- Level: Second
- Area: 170
- Dimensions: 17X10
Bedroom3
- Features: Flooring (Hardwood)
- Level: Main
- Area: 126
- Dimensions: 14X09
Bedroom4
- Features: Flooring (Hardwood)
- Level: Main
- Area: 144
- Dimensions: 12X12
Bedroom5
- Features: Flooring (Carpet)
- Level: Main
- Area: 143
- Dimensions: 13X11
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
Features
- 1st Floor Bedroom,In-Law Floorplan,1st Floor Full Bath
- Flooring: Wood
- Number of fireplaces: 1
- Fireplace features: Gas Log,Living Room
- Fireplace: Yes
Foyer
- Features: Flooring (Vinyl)
- Level: Main
- Area: 80
- Dimensions: 10X08
Heating & Cooling
- Heating features: Natural Gas,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 0
- Total interior livable area: 3,100 sqft
Kitchen
- Features: Kitchen (Eating Area-Table Space,Pantry-Closet),Flooring (Vinyl)
- Level: Second
- Area: 360
- Dimensions: 24X15
Kitchen2Nd
- Features: Flooring (Vinyl)
- Level: Main
- Area: 136
- Dimensions: 17X08
Laundry
- Features: Flooring (Vinyl)
- Level: Main
- Area: 60
- Dimensions: 12X05
Living Room
- Features: Flooring (Carpet)
- Level: Second
- Area: 315
- Dimensions: 21X15
Master Bedroom
- Features: Flooring (Carpet),Bathroom (Full)
- Level: Second
- Area: 322
- Dimensions: 23X14
Office
- Level: Second
- Area: 77
- Dimensions: 7X11
Other
- Features: Flooring (Carpet)
- Level: Main
- Area: 224
- Dimensions: 16X14
Property
Accessibility
- Accessibility features: No Disability Access
Details
- Parcel number: 0935157005
- Special condition: None
- Other equipment: Ceiling Fan(s)
Features
- Stories: 2
- Patio & porch: Deck
- Exterior features: Balcony
Lot
- Lot size: 7,200 sqft
- Lot size dimensions: 120X60
Parking
- Total spaces: 3
- Parking features: Asphalt,Side Apron,Yes,Other
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
- Tornado
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,149 | $25,788 |
| Home Insurance * | $184 | $2,208 |
| Property Taxes | $772 | $9,264 |
| Electricity | $238 | $2,861 |
| Total | $3,343 | $40,116 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Contingent | $425,000 |
| 2026-07-31 | Listed for sale | $425,000 |
| 2017-12-18 | Listing removed | $285,000 |
| 2016-12-09 | Price change | $285,000 |
| 2016-07-18 | Listed for sale | $295,000 |
| 2015-05-29 | Listing removed | $299,500 |
| 2014-04-05 | Price change | $299,500 |
| 2013-07-27 | Listed for sale | $324,900 |
| 2012-07-23 | Listing removed | $325,000 |
| 2011-04-25 | Price change | $325,000 |
| 2010-09-24 | Price change | $285,000 |
| 2010-05-13 | Price change | $288,000 |
| 2010-03-19 | Price change | $299,000 |
| 2009-10-31 | Price change | $325,000 |
| 2009-04-30 | Price change | $380,000 |
| 2009-04-09 | Price change | $395,000 |
| 2009-03-15 | Listed for sale | $410,000 |
For Sale by Agent
View on Zillow