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1186 Willowgate Lane , Saint Charles, IL 60174.
Absolutely stunning Waterfront townhome in the sought after Willowgate community. This beautifully appointed townhome offers a perfect blend of elegance and modern comfort. Featuring high-end finishes, hardwood floors, wainscotting, and abundant natural light, the space is both inviting and stylish. The updated gourmet kitchen is equipped with high-end stainless steel appliances, granite countertops, and custom cabinetry, making it ideal for both everyday living and entertaining guests. Spacious bedrooms, luxurious bathrooms, and a private outdoor patio complete this exceptional residence, providing a peaceful retreat in a prime location. This townhome offers a range of premium features including a security system, elevator, and end unit location with a private entrance. There are five bedrooms, with the second bedroom currently functioning as an office and the fourth bedroom serving as an exercise room. All bedrooms are equipped with its own private full bath, providing comfort and convenience for every resident and guest. The elevator is routinely maintained, last maintenance Jan, 2026. 2 new hot water heaters installed in 2025. The main floor & lower level furnace was replaced in 2013. Second level furnace 2020. A/C condensers 2020. Sump pump 2014, ejector pump 2015, and water softener was replaced within the last 3 years.
MLS ID: 12567277
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1186 Willowgate Lane , Saint Charles, IL 60174.

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| Loan Type | FHA 30 Year Fixed | VA 30 year fixed | 30 yr Jumbo |
| Purchase Price | $1,150,000 | $1,150,000 | $1,150,000 |
| Down Payment | $40,250 | $0 | $230,000 |
| Monthly Mortgage Amount | $6,679 | $6,949 | $5,369 |
| Taxes | $1600 | $1600 | $1600 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $690 | $0 | $0 |
| Monthly Estimated Total | $9,304 | $8,884 | $7,304 |