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Listings courtesy of Coldwell Banker Realty as distributed by MLS GRID.

Active - House for sale

St. Charles, IL

6 bds|6 bth|11,554 sqft

Facts & features

House Property type
2006 Year built
$216 Price/Sqft.
4 car garage Parking
$2,044/mo HOA
40,511 sqft Lot size

Why you’ll love it

  • Waterfront
  • Water view
  • Pool
  • Garage
  • Hardwood floors

Exceptional waterfront estate in the prestigious Prairie Lakes community, set on one of Prairie Lakes' most premier lots with stunning lake views, a resort-style pool, and an exceptional walk-out lower level designed for entertaining. Unparalleled in quality and craftsmanship, this brick and stone estate showcases 11,500+ square feet of finished living space on a professionally landscaped 0.93-acre lot. The grand two-story foyer features a winding staircase and Juliette balcony, while hardwood floors, extensive millwork, soaring ceilings, and luxury finishes extend throughout the entire home. The spectacular two-story living room features expansive windows, a gas log fireplace, and a tray ceiling accented by a dramatic chandelier. The gourmet kitchen, designed for its functionality as well as its beauty, is equipped with high-end stainless steel appliances, white custom cabinetry, granite countertops, a large island with seating, a walk-in pantry, and a balcony. A bright breakfast room opens directly to the screened-in porch and large deck, creating effortless indoor-outdoor living overlooking the lake and beautifully landscaped backyard. A well-appointed butler's pantry and first-floor bar provide a natural connection between the kitchen, living room, and formal dining room, making entertaining seamless. The family room with beamed cathedral ceilings opens to the kitchen, creating an inviting space for everyday living and gathering while providing panoramic views of the striking landscape. A stately two-story office features floor-to-ceiling windows, rich wood-paneled walls, generous built-in cabinetry, and a balcony, creating an inspiring work-from-home environment, while a private first-floor bedroom with a full ensuite bath, walk-in closet, and balcony offers an ideal in-law suite. Completing the main level are two powder rooms, a laundry room, and a mudroom, both with access to the attached four-car garage. The upper level is highlighted by a lavish primary suite with a sitting area, fireplace, morning bar, and private balcony capturing stunning lake views. The spa-inspired ensuite bath features a large walk-through shower, dual vanities, and soaking tub, while the massive walk-in closet offers custom built-ins and a private laundry room. Three additional bedrooms each feature walk-in closets and private ensuite baths, providing space and comfort for family and guests. The finished walk-out lower level is an entertainer's dream, featuring a fully equipped wet bar, dining area, wine cellar, and wood-finished theater room with recliner seating, perfect for hosting large gatherings or enjoying relaxed evenings with family and friends. A sixth bedroom and full bath provide additional accommodations, while a spacious recreation room offers direct walk-out access to the outdoor patio, creating seamless indoor-outdoor entertaining. Outside, experience resort-style living in the private backyard oasis, featuring an in-ground pool with waterfall and fire features, a hot tub, fire pit, and multi-level brick paver patio with ample space for dining and relaxation. The fully fenced yard is surrounded by mature trees, including beautiful willow trees for privacy, while the scenic lake spanning the rear of the property offers peaceful water views and sunrises. Set within highly rated St. Charles School District 303, this home provides convenient access to top-rated dining, shopping, festivals, riverfront trails, parks, and the vibrant atmosphere of downtown St. Charles. This spectacular Prairie Lakes estate offers a lifestyle of luxury, privacy, and connection, where morning walks by the lakes, evening bike rides on the neighborhood paths, and gatherings with family and friends become part of everyday life. Combining the 0.93-acre lot, serene lake views, luxurious pool, and exceptional walk-out entertainment level, this Prairie Lakes estate delivers an unparalleled living experience in one of St Charles' most sought-after communities.

Translating description...

Listed by: Debora McKay • Coldwell Banker Realty

Co-listed by: Roger Erikson • Coldwell Banker Realty

Source: MRED as distributed by MLS GRID, MLS#: 12738624 MRED as distributed by MLS GRID logo

Based on information as of Sep 02, 2026 at 12:23pm EDT.

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Affordability

$1,620,000$3,370,000
1%20%
0%90%
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Estimated monthly payment

$17,659/mo

  • Mortgage$12,616
  • Property tax$2,999
  • HOA fee
  • Homeowners insurance
Due at closing$1,983,525
Down payment held in escrow$499,000
Closing costs$37,425
beycome credit Est.$49,900

Beycome estimates only. Actual amounts and terms vary by lender and location.

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Travel times

About Prairie Lakes

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Flood & climate risk

FEMA Flood Zone X

Outside the high-risk Special Flood Hazard Area — flood insurance is usually optional but still worth considering.

More details

Source: FEMA National Flood Hazard Layer. Confirm on the FEMA Flood Map.

Disclaimer

Midwest Real Estate Data (MRED) All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of the Multiple Listing Service. Real estate listings held by brokerage firms other than Midwest Real Estate Data may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. Copyright ©2026 All rights reserved. Based on information submitted to the MLS GRID as of Sep 02, 2026 at 12:23pm EDT. 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.

$2,495,000 Listed price

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$49,900 Credit back

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