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.
Active
$1,099,000
1240 Willowgate Ln, Saint Charles, IL 60174
3beds
3,636sqft
Duplex, Single Family Residence
Built in 1993
-- sqft lot
$1,089,200 Zestimate®
$302/sqft
$623/mo HOA
What's special
First-floor primary suiteExceptional riverfront settingPrivate denLaundry room
- 14 days
- 797
- 27
Zillow last checked:
Listing updated:
Listed by:
Cory Jones (630)400-9009,
eXp Realty - St. Charles
Source: MRED as distributed by MLS GRID,MLS#: 12788275
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Rooms
- Room types: Den, Recreation Room, Sitting Room, Foyer, Family Room
Primary bedroom
- Features: Flooring (Carpet), Bathroom (Full)
- Level: Main
- Area: 504 Square Feet
- Dimensions: 18X28
Bedroom 2
- Features: Flooring (Carpet)
- Area: 288 Square Feet
- Dimensions: 12X24
Bedroom 3
- Features: Flooring (Carpet)
- Area: 285 Square Feet
- Dimensions: 15X19
Bar entertainment
- Level: Basement
- Area: 72 Square Feet
- Dimensions: 6X12
Den
- Features: Flooring (Carpet)
- Level: Main
- Area: 252 Square Feet
- Dimensions: 14X18
Dining room
- Features: Flooring (Ceramic Tile)
- Level: Main
- Area: 270 Square Feet
- Dimensions: 15X18
Family room
- Features: Flooring (Carpet)
- Level: Main
- Area: 475 Square Feet
- Dimensions: 19X25
Other
- Features: Flooring (Carpet)
- Level: Basement
- Area: 495 Square Feet
- Dimensions: 15X33
Foyer
- Features: Flooring (Ceramic Tile)
- Level: Main
- Area: 150 Square Feet
- Dimensions: 10X15
Kitchen
- Features: Kitchen (Eating Area-Table Space, Island, Pantry-Closet), Flooring (Ceramic Tile)
- Level: Main
- Area: 260 Square Feet
- Dimensions: 13X20
Laundry
- Features: Flooring (Ceramic Tile)
- Level: Main
- Area: 56 Square Feet
- Dimensions: 7X8
Living room
- Features: Flooring (Carpet)
- Level: Main
- Area: 475 Square Feet
- Dimensions: 19X25
Recreation room
- Features: Flooring (Carpet)
- Level: Basement
- Area: 224 Square Feet
- Dimensions: 14X16
Sitting room
- Features: Flooring (Carpet)
- Level: Basement
- Area: 143 Square Feet
- Dimensions: 11X13
Heating
- Forced Air
Cooling
- Central Air
Appliances
- Included: Double Oven, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Disposal, Stainless Steel Appliance(s), Cooktop, Range Hood, Water Softener Owned
- Laundry: Main Level
Features
- Vaulted Ceiling(s), Wet Bar, 1st Floor Bedroom
- Windows: Screens
- Basement: Finished,Walk-Out Access
- Number of fireplaces: 2
- Fireplace features: Gas Log, Gas Starter, Family Room, Basement
- Common walls with other units/homes: End Unit
Interior area
- Total structure area: 0
- Total interior livable area: 3,636 sqft
Property
Parking
- Total spaces: 2
- Parking features: Asphalt, Garage Door Opener, Yes, Garage Owned, Attached, Garage
- Attached garage spaces: 2
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: No Disability Access
Features
- Patio & porch: Patio
- Has view: Yes
- View description: Back of Property, Side(s) of Property
- Has water view: Yes
- Water view: Back of Property,Side(s) of Property
- Waterfront features: River Front
- Body of water: FOX RIVER
Lot
- Size: 4,255 Square Feet
- Dimensions: 37x115
- Features: Common Grounds, Cul-De-Sac, Forest Preserve Adjacent
Details
- Parcel number: 0934482033
- Special conditions: None
- Other equipment: Water-Softener Owned, Ceiling Fan(s)
Construction
Type & style
- Home type: MultiFamily
- Property subtype: Duplex, Single Family Residence
Materials
- Brick
- Foundation: Concrete Perimeter
- Roof: Asphalt
Condition
- New construction: No
- Year built: 1993
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & HOA
Community
- Security: Carbon Monoxide Detector(s)
HOA
- Has HOA: Yes
- Services included: Insurance, Exterior Maintenance, Lawn Care, Snow Removal
- HOA fee: $623 monthly
Location
- Region: Saint Charles
Financial & listing details
- Price per square foot: $302/sqft
- Tax assessed value: $821,166
- Annual tax amount: $20,110
- Date on market: 10/20/2026
- Ownership: Fee Simple w/ HO Assn.
Estimated market value
$1,089,200
$1.03M - $1.14M
$2,510/mo
Price history
| Date | Event | Price |
|---|---|---|
| 10/20/2026 | Listed for sale | $1,099,000-4.4%$302/sqft |
Source:  MRED as distributed by MLS GRID #12788275 Report a problem | ||
| 10/13/2026 | Listing removed | $1,150,000$316/sqft |
Source: eXp Realty #12694179 Report a problem | ||
| 7/8/2026 | Listed for sale | $1,150,000+98.3%$316/sqft |
Source: MRED as distributed by MLS GRID #12694179 Report a problem | ||
| 5/23/2001 | Sold | $580,000+25%$160/sqft |
Source: Public Record Report a problem | ||
| 7/10/1997 | Sold | $464,000$128/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $20,110 +3.1% | $273,722 +8.5% |
| 2024 | $19,497 +3.7% | $252,209 +11.7% |
| 2023 | $18,799 -3% | $225,731 -0.5% |
| 2022 | $19,385 +3.6% | $226,968 +4.9% |
| 2021 | $18,703 +12.4% | $216,345 +12% |
| 2020 | $16,634 +0.9% | $193,244 +2% |
| 2019 | $16,480 +1.6% | $189,418 +1.8% |
| 2018 | $16,221 +2.3% | $186,115 +3.5% |
| 2017 | $15,852 -1.6% | $179,752 +3.6% |
| 2016 | $16,116 | $173,438 +7.2% |
| 2015 | -- | $161,723 +3.7% |
| 2014 | -- | $155,965 -2% |
| 2013 | -- | $159,228 -4.1% |
| 2012 | -- | $165,978 -20.9% |
| 2011 | -- | $209,758 -0.3% |
| 2010 | -- | $210,477 -0.6% |
| 2009 | -- | $211,699 -7% |
| 2008 | -- | $227,700 +7% |
| 2007 | -- | $212,802 +13.3% |
| 2006 | -- | $187,750 -1.1% |
| 2005 | -- | $189,890 +2.2% |
| 2004 | -- | $185,806 -7.3% |
| 2003 | -- | $200,361 +13.5% |
| 2002 | -- | $176,519 +2.8% |
| 2001 | -- | $171,662 -3.7% |
| 2000 | -- | $178,264 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 60174
Nearby schools
Schools provided by the listing agent
- District: 303
Source: MRED as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
- $908,2003 bd2 ba2.7k sqft1246 Willowgate Ln, St Charles, IL 60174Off Market
- $852,7003 bd1 ba2.9k sqft1238 Willowgate Ln, Saint Charles, IL 60174Off Market
- $1,200,0002 bd3 ba4.3k sqft1232 Willowgate Ln, Saint Charles, IL 60174Sold
- $996,6005 bd4 ba4k sqft1252 Willowgate Ln, St Charles, IL 60174Off Market
Similar homes
- $950,0005 bd5 ba3.6k sqft38W590 Barb Hill Dr, St Charles, IL 60175Active
MLS ID #12797112, Margaret Bussey, CSC,SRES, Berkshire Hathaway HomeServices Starck Real Estate. MRED as distributed by MLS GRID - $999,9995 bd5 ba3.5k sqft4135 River Ridge Dr, Saint Charles, IL 60175Price Change
MLS ID #12771007, Giselle Carmona, Jameson Sotheby's International Realty. MRED as distributed by MLS GRID - $549,9003 bd4 ba2.2k sqft108 Shoreline Ct, Saint Charles, IL 60174New
MLS ID #12798383, Paul Bednar, Real People Realty. MRED as distributed by MLS GRID - $885,0004 bd3 ba3.1k sqft808 McKinley Ave, Geneva, IL 60134Active
MLS ID #12787685, Adam Stary, eXp Realty. MRED as distributed by MLS GRID
