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122 S 5th Street, Saint Charles, IL 60174.
**Perfectly positioned on a prominent corner lot atop a hill, 122 S 5th Street stands as a testament to the enduring appeal of the St. Charles Historic District.** This beautifully renovated 4-bedroom, 2.5-bathroom residence underwent a meticulous 2023 rehab, thoughtfully blending its historic character with the comfort and functionality of modern living. The interior layout is anchored by a fully updated kitchen featuring sleek cabinetry, premium surfaces, and a fresh, contemporary feel. Each of the two and a half bathrooms has been redesigned with modern tile and fixtures. The three well-proportioned bedrooms provide a versatile floor plan suited to a variety of lifestyles. A standout feature is the spacious finished dormer offering exciting possibilities beyond the main living areas. Depending on your needs, this flexible space could become an additional guest room, children's playroom, home office, creative studio, reading retreat, or private lounge. With its generous proportions and character, it is a space that invites you to imagine how it could best complement your lifestyle. Outdoors, the property features a classic front porch and a fully fenced-in yard, creating an inviting setting for relaxing, entertaining, or enjoying the neighborhood's charm. Located within the historic district, the home places you among the distinctive architecture and timeless character of one of St. Charles' most desirable areas, while the comprehensive 2023 renovation provides the peace of mind of a move-in-ready home. This is a rare opportunity to own a beautifully updated piece of St. Charles history, with the character of yesterday, the conveniences of today, and the flexibility to create the home you've envisioned.
MLS ID: 12765274
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122 S 5th Street, Saint Charles, IL 60174.

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563-441-1862
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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $650,000 | $650,000 | $650,000 |
| Down Payment | $130,000 | $22,750 | $162,500 |
| Monthly Mortgage Amount | $3,460 | $4,246 | $4,213 |
| Taxes | $905 | $905 | $905 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $286 | $0 |
| Monthly Estimated Total | $4,555 | $5,627 | $5,308 |
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