Welcome home to this rarely available ranch, ideally positioned on a quiet street across from the scenic Fox River. This beautifully maintained 3-bedroom 3 1/2-bathroom home offers an exceptional blend of comfort, walkability, and natural beauty, complete with a full walk-out basement that expands your living space with flexibility and abundant natural light. The main level features a functional layout designed for everyday living and effortless entertaining. Hardwood flooring throughout the majority of the main level, adding character and charm throughout. The inviting living room is anchored by a brick fireplace and filled with natural light from expansive windows overlooking the lush, professionally landscaped yard. The kitchen is thoughtfully designed with stainless steel appliances, generous cabinetry, and ample workspace for the at-home chef. The dining area flows seamlessly into the living space, creating the perfect setting for gatherings and relaxed evenings. The primary bedroom suite offers a private retreat, complete with a walk-in closet, dual sinks, and a timeless claw-foot soaking tub. French doors open directly onto the deck - the perfect setting to enjoy quiet mornings with coffee while overlooking the serene backyard. The full walk-out lower level adds incredible versatility and features one large open living area with a second fireplace, creating a cozy yet expansive space ideal for a family room or recreation area. A full bath and a 50-bottle wine cabinet complete this level, making it equally functional and inviting. Outdoor living is truly exceptional. The professionally landscaped grounds are lush and mature, highlighted by two beautiful stone patios and a fully functioning fountain that creates a peaceful ambiance. The newer maintenance-free deck enhances the seamless indoor-outdoor flow and provides additional space for entertaining or relaxing. A convenient mudroom leads to the attached garage and features its own service door that opens directly to the additional stone patio, adding practicality and thoughtful design to everyday living. Enjoy walkable access to both downtown St. Charles and downtown Geneva, along with nearby parks, restaurants, shopping, entertainment, and scenic riverfront trails just steps from your door. Located within the St. Charles School District and close to the Geneva Train Station, this home offers both lifestyle and convenience in one of the area's most desirable settings. This is a rare opportunity you won't want to miss. Floorplans available in photos.