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933 Elm Street, Saint Charles, IL 60174.
Welcome to this meticulously and beautifully updated in-town farmhouse, perfectly situated on a quiet dead-end street and a sprawling corner lot. This home seamlessly blends historic charm with modern luxury, featuring extensive millwork and elegant details that showcase true workmanship. Designed for entertaining both indoors and out, the home is filled with natural light. The heart of the house is the stunning kitchen, which was completely updated in 2021 with 42 upper white shaker cabinetry, a large pantry plus a second pantry with pull-out shelving, sleek quartz countertops, and premium stainless steel appliances. The interior was further enhanced in 2019 with the installation of new hardwood floors throughout the upstairs bedrooms and hallway, as well as all-new interior doors and trim. Major infrastructure improvements provide peace of mind, including a new 50-gallon water heater (August 2025), a comprehensive water filtering system, and a water softener. Significant exterior work was also completed to ensure a strong, dry foundation, including replaced drain tile on the exposed sides of the home paired with a sealing waterproof membrane. The property sits on an oversized lot-and-a-half, featuring a large raised garden bed with excellent sun exposure for vegetable gardening. The location is truly unbeatable. Nestled in a neighborhood defined by established trees and charming historic homes, you are just three blocks from Mt. Saint Mary's Park, home to tennis courts, basketball courts, and playgrounds, connects to the scenic Fox River Trail. Enjoy being within walking distance of the new Whole Foods, as well as the vibrant restaurants, bars, and shops of downtown St. Charles. Additionally, you are only 3.2 miles from the Geneva Metra Station and the boutique shopping of downtown Geneva. This home offers the perfect combination of sophisticated updates and a premier location.
MLS ID: 12577541
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933 Elm Street, Saint Charles, IL 60174.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $424,900 | $424,900 | $424,900 |
| Down Payment | $84,980 | $14,872 | $106,225 |
| Monthly Mortgage Amount | $1,957 | $2,435 | $2,541 |
| Taxes | $591 | $591 | $591 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $187 | $0 |
| Monthly Estimated Total | $2,672 | $3,337 | $3,256 |