$450,000
3 Beds
1.5 Baths
1312 S 3rd St, St Charles, IL 60174
Est. Mortgage $3,216/mo*
Get Pre-QualifiedWe estimate this home will sell faster than 96% nearby.
Home Highlights
Single-Family Home
Built in 1925
Garage
Local Information
- Map ViewExplore the area around 1312 S 3rd St.
- Schools1 Elementary School1 Middle School1 High School
- Shop & Eat
-- mins to
About this House
Set on a beautifully landscaped lot in St. Charles' Garden Ward, this home offers incredible curb appeal and an unbeatable in-town location. Walking distance to both downtown St. Charles and downtown Geneva, offering the best of both worlds. The updated kitchen (2019) is anchored by a beautiful bay window and flows into a separate formal dining room. The living room centers around a wood-burning fireplace and offers a beautiful view of the backyard. The backyard itself is beautifully landscaped with mature trees and a patio. Upstairs, the home offers three bedrooms and a full bath, plus a versatile den/family room that was originally a fourth bedroom (the wall was removed to open up the space, but it can easily be restored if a fourth bedroom is what you need) Powder room on the main level (originally a sunroom, fully converted in 2010) adds everyday convenience. Restored hardwood floors run throughout the main level, with hardwoods beneath the carpet upstairs. Original doors, moldings and charming vintage windows (with storms and screens intact) preserve the character that makes this home special. Two attached one-car garages - one off the side drive, one off the alley. The unfinished basement provides excellent additional storage. This home has been meticulously maintained by its long-time owner. Furnace (2012), AC condenser (2024), water heater (2018), roof (2008), remodeled primary bath (2016), and exterior paint (2025). Located within walking distance to Davis Elementary School and the Metra train, with easy access to everything downtown St. Charles and Geneva have to offer.
Last check for updates: about 2 hours ago
Listing courtesy of: Courtney Welsch, (630) 673-0322
Baird & Warner
Cynthia Welsch, SFR, (630) 202-8590
Baird & Warner Fox Valley - Geneva
Source: MRED as distributed by MLS GRID, MLS#12755174
Also Listed on MRED as distributed by MLS GRID, MRED as distributed by MLS GRID.
We estimate this home will sell faster than 96% nearby.
Home Details for 1312 S 3rd St
|
|---|
MLS Status: New |
|
|---|
Interior Details Basement: Unfinished,FullNumber of Rooms: 7Types of Rooms: Master Bedroom, Bedroom 2, Bedroom 3, Dining Room, Family Room, Kitchen, Laundry, Living Room, Recreation Room |
Beds & Baths Number of Bedrooms: 3Number of Bathrooms: 2Number of Bathrooms (full): 1Number of Bathrooms (half): 1 |
Appliances & Utilities Appliances: Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer, DisposalDishwasherDisposalDryerMicrowaveRefrigeratorWasher |
Heating & Cooling Heating: Natural Gas,Forced AirHas CoolingAir Conditioning: Central AirHas HeatingHeating Fuel: Natural Gas |
Fireplace & Spa Number of Fireplaces: 1Fireplace: Wood Burning, Living RoomHas a Fireplace |
Windows, Doors, Floors & Walls Window: ScreensFlooring: Hardwood |
Levels, Entrance, & Accessibility Stories: 2Accessibility: No Disability AccessFloors: Hardwood |
View No View |
|
|---|
Exterior Home Features Patio / Porch: Patio |
Parking & Garage Number of Garage Spaces: 2Number of Covered Spaces: 2Has a GarageNo Attached GarageParking Spaces: 2Parking: Yes,Garage Owned,Detached,Garage |
Frontage Not on Waterfront |
Water & Sewer Sewer: Public Sewer |
|
|---|
Year Built Year Built: 1925 |
Property Type / Style Property Type: ResidentialProperty Subtype: Single Family Residence |
Building Construction Materials: Wood SidingNot a New ConstructionNo Additional Parcels |
Property Information Parcel Number: 0934381003 |
|
|---|
Price List Price: $450,000 |
Status Change & Dates Possession Timing: Close Of Escrow |
|
|---|
Direction & Address City: St. Charles |
School Information Elementary School: Davis Elementary SchoolElementary School District: 303Jr High / Middle School: Thompson Middle SchoolJr High / Middle School District: 303High School: St Charles East High SchoolHigh School District: 303 |
|
|---|
Listing Agent Listing ID: 12755174 |
|
|---|
HOA Fee Includes: None |
|
|---|
Lot Area: 6600 sqft |
|
|---|
Special Conditions: None |
|
|---|
Business Information Ownership: Fee Simple |
|
|---|
BasementMls Number: 12755174Attic: Unfinished |
|
|---|
Source Internet Entire Listing DisplayMRD IDX Comments Reviews: NoMRD Listing On IDX Display: YesMRD AVM On IDX Display: NoMRD Address On VOW Display: YesMRD Price History On IDX Display: NoMRD Market Time On IDX Display: NoMRD REMARKSINTERNET: YesSource Internet Address DisplayHide Price History DisplayHide Days On Site DisplayMRD Remarks On VOW Display: Yes |
Around this home
What Locals Say about Saint Charles
At least 235 Trulia users voted on each feature.
94 % Say it's dog friendly
88 % Say car is needed
87 % Say parking is easy
84 % Say people would walk alone at night
80 % Say yards are well-kept
80 % Say there are sidewalks
79 % Say there's holiday spirit
75 % Say kids play outside
71 % Say there's wildlife
70 % Say streets are well-lit
70 % Say it's quiet
60 % Say neighbors are friendly
58 % Say they plan to stay for at least 5 years
57 % Say it's walkable to restaurants
53 % Say it's walkable to grocery stores
40 % Say there are community events
Sourced by Trulia users. Learn more about our methodology.
Market trends in Saint Charles
Last updated July 2026
Avg. sale price
$447K
$24.98KMoM
Sale-to-List Price
101.4%
0.6%MoM
Price per sq ft
$232
$4MoM
Available listings
110
1MoM
Home Value
Trulia Estimate
$451KSince last month
Increased$57K (+14.4%)Since last year
Increased$92K (+25.4%)Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.
Trulia Estimate
The of this home's value increased by +62% in the last 10 years
| Month | Estimated value |
|---|---|
2026 | |
| September 2026 | $451K |
| August 2026 | $449K |
| July 2026 | $395K |
| June 2026 | $412K |
| May 2026 | $403K |
| April 2026 | $390K |
| March 2026 | $376K |
| February 2026 | $359K |
| January 2026 | $350K |
2025 | |
2024 | |
2023 | |
2022 | |
2021 | |
2020 | |
2019 | |
2018 | |
2017 | |
2016 | |
Comparable sales
These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.Address | Distance | Property Type | Sold Price | Sold Date | Bed | Bath | Sqft |
|---|---|---|---|---|---|---|---|
0.11 | Single-Family Home | $405,000 | 04/20/26 | 3 | 1.5 | 1,268 | |
0.14 | Single-Family Home | $395,000 | 02/26/26 | 3 | 2 | 1,148 | |
0.06 | Single-Family Home | $385,000 | 09/19/25 | 3 | 1.5 | 1,461 | |
0.15 | Single-Family Home | $600,000 | 01/09/26 | 3 | 2 | 1,650 | |
0.14 | Single-Family Home | $527,000 | 04/23/26 | 3 | 1.5 | 1,585 | |
0.15 | Single-Family Home | $527,200 | 08/28/26 | 3 | 2 | 1,318 | |
0.18 | Single-Family Home | $528,000 | 11/07/25 | 3 | 2 | 1,423 | |
0.18 | Single-Family Home | $377,900 | 12/05/25 | 3 | 1 | 1,200 | |
0.24 | Single-Family Home | $542,000 | 05/28/26 | 3 | 1.5 | 1,413 |
Nearby home prices
Get a sense of expected prices in the area by checking the value of nearby homes.Address | Distance | Price | Bed | Bath | Sqft | Status |
|---|---|---|---|---|---|---|
0.01 | $427,200 | 4 | 2.5 | 1,776 | Off Market | |
0.02 | $525,900 | 3 | 2.5 | 1,682 | For Sale | |
0.05 | $476,400 | 3 | 2 | 1,384 | Off Market | |
0.06 | $405,000 | 3 | 1.5 | 1,461 | Off Market | |
0.08 | $480,300 | 3 | 2 | 1,326 | Off Market | |
0.08 | $475,000 | 3 | 1 | 2,178 | For Sale | |
0.09 | $431,000 | 3 | 2 | 1,139 | Off Market | |
0.07 | $394,800 | 3 | 1 | 1,121 | Off Market | |
0.10 | $599,000 | 5 | 3 | 2,417 | Recently Sold | |
0.08 | $400,800 | 2 | 1 | 973 | Off Market | |
0.11 | $774,200 | 4 | 3 | 2,624 | Off Market |
Price and Tax history
| Date | Event | Price |
|---|---|---|
Sep 9, 2026 Source: MRED as distributed by MLS GRID #12733118 | ListingRemoved | $450,000 |
Aug 19, 2026 Source: MRED as distributed by MLS GRID #12733118 | Listed For Sale | $450,000 |
| Year | Property tax | Tax assessment |
|---|---|---|
| 2025 | $7,630 | $374,370 |
Home facts updated by county records
LGBTQ Local Legal Protections
LGBTQ Local Legal Protections
Courtney Welsch, Baird & Warner
Agent Phone: (630) 673-0322
Based on information submitted to the MLS GRID as of 2026. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Click here for more information
Similar Homes You May Like
0.26 ACRESBerkshire Hathaway HomeServices Chicago, Active
0.27 ACRESBaird & Warner, Active
@properties Christie's International Real Estate, Active
0.27 ACRESGarry Real Estate, Price Change
0.33 ACRESBailey Group Real Estate LLC, Active
0.25 ACRESSuburban Life Realty, Ltd., Active
0.47 ACRESBetter Homes and Garden Real Estate Star Homes, Active
Keller Williams Premiere Properties, Active
0.27 ACRESYour Place Realty Group, Active
OPEN SUN, 12-2PMPlatinum Partners Realtors, Price Change
0.33 ACRES@HOME REAL ESTATE BROKERS LLC, Active
0.56 ACRESKeller Williams Premiere Properties, Active
0.25 ACRESKeller Williams Inspire - Geneva, Active
Keller Williams Innovate - Aurora, Active
0.36 ACRESjohn greene, Realtor, Active
0.45 ACRES@properties Christie's International Real Estate, Active
0.32 ACRESHomeSmart Connect LLC, Active
See more homes for sale inSt Charles
New Listings near 1312 S 3rd St
@properties Christie's International Real Estate, New
0.35 ACRES@properties Christie's International Real Estate, New
NEWOPEN SAT, 11-2PM0.28 ACRESKeller Williams Thrive, New
Baird & Warner Fox Valley - Geneva, Active
NEW - 2 DAYS AGOHomeSmart Connect LLC, New
NEWOPEN SUN, 1-4PMNEW CONSTRUCTIONTwin Vines Real Estate Svcs, New
NEW - 1 DAY AGO0.51 ACRESColdwell Banker Realty, New
AUCTIONResults Realty ERA Powered, Active- See more homes for sale inSt Charles
Frequently asked questions about 1312 S 3rd St
- What is the estimated monthly payment for 1312 S 3rd St?Based on a $450,000 list price with 20% down at today's rates, the estimated monthly payment for 1312 S 3rd St in St Charles, IL is approximately $3,280 (about $2,399 principal & interest, $806 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
- How does the list price for 1312 S 3rd St compare to homes in St Charles?1312 S 3rd St in St Charles, IL is listed at $450,000, about 1% above the $447K median sale price in St Charles.
- What do residents say about St Charles?Residents describe St Charles, IL as dog-friendly, easy to park in, and well-kept. Most residents say you need a car. See homes for sale in St Charles, IL.
- What are the closest schools to 1312 S 3rd St?The closest schools to 1312 S 3rd St in St Charles, IL are Davis Primary School (rated 9/10), St Charles East High School (rated 7/10), Thompson Middle School (rated 7/10).
- Does 1312 S 3rd St have air conditioning?Yes, 1312 S 3rd St in St Charles, IL has air conditioning.
- Does 1312 S 3rd St have laundry facilities?Yes, 1312 S 3rd St in St Charles, IL has in-unit laundry.
1312 S 3rd St, St Charles, IL 60174 is a 3 bedroom, 2 bathroom single-family home built in 1925. This property is currently available for sale and was listed by MRED as distributed by MLS GRID. The MLS # for this home is MLS# 12755174.