RARE FIND, WATERFRONT HOME! Welcome to your personal retreat on the Fox River in beautiful South Elgin, located in the highly sought-after St. Charles school district! This unique and versatile 3 bedroom, 2 bath home offers year-round serenity and unforgettable views-making every day feel like a getaway. With 1260 square feet of well-designed living space, the main floor features a welcoming living room with a cozy gas fireplace and gorgeous river views, a dining area, a functional kitchen, two bedrooms, and a full bath. The fully finished lower level adds even more flexibility with a second kitchen, large family room, third bedroom, second full bath, and a generous storage closet. The lower level area is perfect for extended family or entertaining. Step outside and soak in the views from the expansive deck, or head down to your private dock and enjoy the water lifestyle. Car and boat lovers will appreciate the TWO heated, attached 2 car garages, connected by a breezeway. One garage even features a rear door, making it easy to pull in and store a boat or other toys. Whether you're entertaining, relaxing, or simply enjoying the view, this home offers the perfect blend of comfort and adventure!