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0n045 Underwood Drive , Geneva, IL 60134
$825,000
Est. Payment: $4,502.36/mo
4 Bed
5 Bath
3186 Sqft
0.27 Acres
Status: active | Days on site: 117
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House Description

Over $200K in recent improvements, including a 2024 kitchen renovation, four updated baths, 2023 HVAC, new gutters and a fully finished 1,093-sq-ft lower level. This stunning residence located in Mill Creek features three fully finished levels, fresh interior/exterior paint, a high-efficiency furnace & A/C (2023), dual water heaters (2019/2021), and new gutters with guards. Designed for effortless entertaining, the formal living and dining rooms lead to a re-imagined contemporary kitchen (2024) boasting premium quartz countertops, a massive center island, and sleek new LG appliances. The kitchen opens directly to a voluminous two-story family room with a brick fireplace, as well as a large rear deck. A main-floor den serves as an ideal private office. Upstairs, four modern bathrooms (all updated 2025) service four bedrooms, including an expansive primary suite with an oversized walk-in closet, a dedicated guest suite with its own private bath, and a refreshed Jack-and-Jill bath. The fully finished lower level of 1,000+ sq. ft. includes a 5th bedroom w/ Cedar Closet + full bath + wet bar + recreation room. Enjoy a private, fully fenced backyard with mature trees and a 3-car garage. Unbeatable Mill Creek amenities include golf, tennis, pickleball, miles of trails, and an elementary school-just minutes from Downtown Geneva, Metra, I-88, and the Randall Road corridor.

Highlights

Listed by Bill Deligiannis , 630-788-5288 Charles Rutenberg Realty of IL , 630-929-1100. Midwest Real Estate Data mls logo

Property Type

Residential

Lot/Acreage
0.27

Year Built

1999

County

Kane

Area

Geneva

Neighborhood

Mill Creek

School District

304

Listing ID

12679991

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Microwave, Dishwasher, Refrigerator, Freezer, Washer, Dryer, Disposal, Stainless Steel Appliance(s), Cooktop, Gas Cooktop, Water-Softener Owned,CO Detectors,Ceiling Fan(s),Sump Pump,Sprinkler-Lawn,Radon Mitigation System
Air Cond:Central Air
Fireplaces:Gas Log,Gas Starter
Floor:Laminate
Below Ground Sq Ft:1093
Basement:Finished,Full
Other:
  • ▪ Additional:Cathedral Ceiling(s), Wet Bar, Built-in Features, Walk-In Closet(s), Quartz Counters
Water:Shared Well

Exterior Features

Lot:Mature Trees,Level
Lot Dimensions:90X130
Garage Capacity:3
Roof:Asphalt
Sewer:Public Sewer
Parking Features:Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,Garage
Principal Interest
$4,502
Taxes
$1,301

Home Price

$825,000

Loan Details

30 yrs
7.25%

Down Payment

20%
$165,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,502.36

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,502.36 $1,301.17 $0.00 $5,803.53
Yearly $54,028.36 $15,614.02 $0.00 $69,642.38
Total $1,620,850.84 $468,420.60 $0.00 $2,089,271.44
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Master Chief
Lender
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Market insight data is pulled from the same city as the listing being viewed (Geneva, IL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information submitted to the MRED as of the date listed below. All data is obtained from various sources and has not been, and will not be, verified by broker or MRED. MRED 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. IDX information is provided exclusively for consumers' personal non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by MTP or MRED. The use of the MRED Data may be subject to an end user license agreement prescribed by the Member Participant's applicable MLS if any and as amended from time to time.

Based on information submitted to the MLS GRID as of the date listed below. 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. IDX information is provided exclusively for consumers' personal non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, that the data is deemed reliable but is not guaranteed by MLS GRID, and that the use of the MLS GRID Data may be subject to an end user license agreement prescribed by the Member Participant's applicable MLS if any and as amended from time to time. MLS GRID may, at its discretion, require use of other disclaimers as necessary to protect Member Participant, and/or their MLS from liability. Some listings have been excluded from this website.

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Data last updated: 2026-10-27T06:57:04.000Z

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