Thoughtfully rebuilt in 2019, this riverfront retreat offers exceptional craftsmanship, thoughtful design, and remarkable privacy on 2 wooded acres along the Fox River. Originally an A-frame, this unique waterfront residence has been reimagined and expanded into a spacious, beautifully crafted home that blends distinctive architectural character with modern comfort and a warm, lodge-inspired feel. The 2019 expansion seamlessly introduced the open-concept living and kitchen areas, private primary suite with spa-inspired bath, finished lower level, and attached 1-car garage, all thoughtfully integrated with the home's original character. A detached 3-car garage with fully finished living space above adds an exceptional layer of functionality to the property. Set among towering mature trees, the home is approached by a gated circular drive, providing a rare sense of privacy along the river. Step inside to a welcoming foyer that leads into the bright, open-concept living area, where soaring cathedral ceilings, skylights, and expansive sliding glass doors fill the space with natural light and open to the riverfront deck. A floor-to-ceiling wood-burning fireplace with stone surround creates an inviting focal point for relaxing or entertaining. The custom French-style kitchen is equally impressive, featuring a sprawling granite-topped island with seating, crisp white cabinetry, porcelain tile backsplash, chef-grade appliances (2019), walk-in pantry, and eat-in area. The adjoining family room continues the home's distinctive lodge-inspired character with a custom wood-beamed ceiling and a well-appointed wet bar featuring stainless steel appliances, island seating, and custom shelving. The primary suite features an electric fireplace, a large walk-in closet with custom built-ins, and a sliding glass door overlooking the expansive yard and riverfront setting. The spa-inspired ensuite bath offers dual granite-topped vanities, heated floors, an oversized dual-head walk-in shower, and a multi-seat sauna and steam room with Vichy shower and custom tile. Direct access to the side deck and private hot tub completes this luxurious retreat. Rounding out the main level is a generously sized second bedroom with a large walk-in closet, a third bedroom, a full hall bath with glass-enclosed shower, and a convenient mudroom with access to the attached 1-car garage. The finished lower level provides additional living space with a spacious recreation room overlooking the river, an electric fireplace with a stone surround, a wine room, a full bath, a laundry room, and space to add a potential fifth bedroom. Outside, the riverfront setting truly shines, with a wrap-around porch extending to a spacious deck overlooking the Fox River and open green space, framed by towering trees for exceptional privacy. The deck provides an inviting setting for outdoor dining, summer gatherings, or relaxing in the hot tub, while the grill and riverfront fire pit make entertaining effortless. The fully fenced yard offers plenty of space to enjoy the outdoors, while the quiet river invites fishing, boating, and jet skiing right from home. The detached heated 3-car garage offers abundant space and electrical capacity for hobbies or a workshop. Above, a private entrance leads to fully finished living quarters with a full kitchen and dining area, living room with a Murphy bed, a full bath, and private deck. This versatile space is ideal for guests, a home office, gym, extended living, or potential short-term rental use. Ideally located within the highly rated St. Charles School District 303 and just minutes from downtown St. Charles, this one-of-a-kind Fox River property offers a rare combination of quality construction, thoughtful renovation, wooded privacy, versatile living spaces, and an extraordinary riverfront lifestyle.
Active
$1,250,000
6N477 State Route 31, St Charles, IL 60175
4beds
3,108sqft
Single Family Residence
Built in 1955
2 Acres Lot
$-- Zestimate®
$402/sqft
$-- HOA
What's special
Gated circular driveFully fenced yardSpacious beautifully crafted homeRiverfront deckTowering mature treesWalk-in pantryRiverfront retreat
- --
- 3,234
- views
- 191
- saves
Likely to sell faster than
Zillow last checked:
Listing updated:
Listed by:
Debora McKay (630)587-4672,
Coldwell Banker Realty,
Roger Erikson 630-542-5339,
Coldwell Banker Realty
Source: MRED as distributed by MLS GRID,MLS#: 12749931
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 4
Rooms
- Room types: Recreation Room, Deck, Mud Room, Kitchen, Foyer
Primary bedroom
- Features: Flooring (Carpet), Bathroom (Full, Double Sink, Shower Only)
- Level: Second
- Area: 294 Square Feet
- Dimensions: 14X21
Bedroom 2
- Features: Flooring (Carpet)
- Level: Main
- Area: 168 Square Feet
- Dimensions: 14X12
Bedroom 3
- Features: Flooring (Engineered Hardwood)
- Level: Main
- Area: 130 Square Feet
- Dimensions: 10X13
Bedroom 4
- Features: Flooring (Carpet)
- Level: Second
- Area: 420 Square Feet
- Dimensions: 20X21
Bar entertainment
- Features: Flooring (Engineered Hardwood)
- Level: Main
- Area: 112 Square Feet
- Dimensions: 08X14
Deck
- Features: Flooring (Other)
- Level: Main
- Area: 496 Square Feet
- Dimensions: 31X16
Dining room
- Features: Flooring (Engineered Hardwood)
- Level: Main
- Area: 196 Square Feet
- Dimensions: 14X14
Family room
- Features: Flooring (Engineered Hardwood)
- Level: Main
- Area: 400 Square Feet
- Dimensions: 16X25
Foyer
- Features: Flooring (Engineered Hardwood)
- Level: Main
- Area: 84 Square Feet
- Dimensions: 07X12
Kitchen
- Features: Kitchen (Eating Area-Breakfast Bar, Eating Area-Table Space, Island, Pantry-Walk-in, Granite Counters), Flooring (Engineered Hardwood)
- Level: Main
- Area: 377 Square Feet
- Dimensions: 13X29
Kitchen 2nd
- Features: Flooring (Tile)
- Level: Second
- Area: 130 Square Feet
- Dimensions: 13X10
Laundry
- Features: Flooring (Engineered Hardwood)
- Level: Basement
- Area: 88 Square Feet
- Dimensions: 11X08
Living room
- Features: Flooring (Engineered Hardwood)
- Level: Main
- Area: 304 Square Feet
- Dimensions: 19X16
Mud room
- Features: Flooring (Engineered Hardwood)
- Level: Main
- Area: 99 Square Feet
- Dimensions: 11X09
Recreation room
- Features: Flooring (Carpet)
- Level: Basement
- Area: 651 Square Feet
- Dimensions: 31X21
Heating
- Natural Gas, Forced Air, Sep Heating Systems - 2+, Radiant Floor
Cooling
- Central Air
Appliances
- Included: Microwave, Dishwasher, Refrigerator, Bar Fridge, Washer, Dryer, Stainless Steel Appliance(s), Wine Refrigerator, Range Hood, Water Softener Owned, Gas Cooktop, Oven, Multiple Water Heaters, Gas Water Heater
- Laundry: In Unit
Features
- Cathedral Ceiling(s), Steam Room, Sauna, Wet Bar, 1st Floor Bedroom, 1st Floor Full Bath, Built-in Features, Walk-In Closet(s), Historic/Period Mlwk, Beamed Ceilings, Open Floorplan, Granite Counters
- Flooring: Hardwood
- Windows: Skylight(s), Double Pane Windows
- Basement: Finished,Partial Exposure,Rec/Family Area,Storage Space,Full
- Number of fireplaces: 3
- Fireplace features: Wood Burning, Living Room, Master Bedroom, Basement
Interior area
- Total structure area: 0
- Total interior livable area: 3,108 sqft
Property
Parking
- Total spaces: 12
- Parking features: Asphalt, Circular Driveway, Garage Door Opener, Heated Garage, Garage, Yes, Garage Owned, Attached, Detached, Owned
- Attached garage spaces: 4
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: No Disability Access
Features
- Stories: 1
- Patio & porch: Deck
- Exterior features: Outdoor Grill, Fire Pit, Lighting
- Has spa: Yes
- Spa features: Outdoor Hot Tub
- Fencing: Fenced
- Has view: Yes
- View description: Water, Back of Property
- Has water view: Yes
- Water view: Water,Back of Property
- Waterfront features: River Front, Waterfront
- Body of water: FOX RIVER
Lot
- Size: 2 Acres
- Dimensions: 122X719X129X743
- Features: Wooded, Mature Trees
Details
- Additional structures: Second Garage, Second Residence, Shed(s)
- Parcel number: 0910303001
- Special conditions: None
- Other equipment: Water-Softener Owned, Ceiling Fan(s)
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Cedar
- Foundation: Concrete Perimeter
- Roof: Asphalt
Condition
- New construction: No
- Year built: 1955
Details
- Builder model: RIVER COTTAGE
Utilities & green energy
- Electric: Circuit Breakers, 200+ Amp Service
- Sewer: Septic Tank
- Water: Well
Community & HOA
Community
- Features: Lake, Street Paved
- Security: Carbon Monoxide Detector(s), Closed Circuit Camera(s)
HOA
- Services included: None
Location
- Region: St Charles
Financial & listing details
- Price per square foot: $402/sqft
- Tax assessed value: $723,183
- Annual tax amount: $15,560
- Date on market: 9/8/2026
- Ownership: Fee Simple
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 7/31/2013 | Sold | $385,000-24.5%$124/sqft |
Source: Public Record Report a problem | ||
| 10/8/2004 | Sold | $510,000$164/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $15,560 +2.7% | $241,061 +8.5% |
| 2024 | $15,158 +20.6% | $222,115 +11.7% |
| 2023 | $12,566 +11.3% | $198,796 +11.3% |
| 2022 | $11,293 +6.9% | $178,630 +4.9% |
| 2021 | $10,560 +1% | $170,269 +1.9% |
| 2020 | $10,452 +27.4% | $167,094 +48.4% |
| 2019 | $8,207 -0.8% | $112,571 -0.5% |
| 2018 | $8,270 +2.7% | $113,148 +3.5% |
| 2017 | $8,055 -10.4% | $109,280 +3.6% |
| 2016 | $8,987 | $105,441 -16.7% |
| 2015 | -- | $126,541 +1.4% |
| 2014 | -- | $124,786 +1.5% |
| 2013 | -- | $122,891 +0.2% |
| 2012 | -- | $122,597 -2.5% |
| 2011 | -- | $125,780 -10.3% |
| 2010 | -- | $140,293 -4.8% |
| 2009 | -- | $147,357 -4.2% |
| 2008 | -- | $153,891 +1.6% |
| 2007 | -- | $151,443 +5% |
| 2006 | -- | $144,191 +9.8% |
| 2005 | -- | $131,311 +60.4% |
| 2004 | -- | $81,845 +2.1% |
| 2003 | -- | $80,124 +3.3% |
| 2002 | -- | $77,537 +4.1% |
| 2001 | -- | $74,477 +1.4% |
| 2000 | -- | $73,458 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: 60175
Nearby schools
Schools provided by the listing agent
- Elementary: Wild Rose Elementary School
- Middle: Wredling Middle School
- High: St Charles North High School
- 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.


