A framed-and-dried-in farmhouse on St. Charles's east side, ready for the right finisher.
804 Madison Avenue is a 3-story new construction shell on a corner lot in one of the Fox Valley's strongest sub-markets. Framing is up, sheathing is on, roof is dried-in, mechanical rough-ins are in place. Now it needs an investor with the team to finish it — and an exit at $1M+ to support the work.
- 4 BR / 3.5 BA · ~4,250 sq ft when complete
- ~$450K+ spread to projected ARV
- Walk to downtown St. Charles · D303 schools
- THMC financing available for qualified buyers
The expensive part is done. Take it home.
The shell is the hardest, riskiest part of new construction — and it's already built. Lot work, foundation, framing, roof, sheathing, plumbing rough-in, electrical service, HVAC rough — all in. The next owner gets to underwrite a finish-out scope of work against a comp-supported $1M+ exit, without the timeline risk of starting from dirt.
Real margin to ARV
$599,000 acquisition against a projected $1.05M–$1.10M after-repair value. Room to absorb a real finish budget, carrying cost, and selling expense — and still book a meaningful spread.
Premium architecture, premium block
3-story farmhouse design with covered front porch, rear balcony, multi-gabled roofline, full basement, and an attached garage. Designed to compete at the $1M price point on a top-tier St. Charles street.
Direct, no MLS
We're not retailing this. We're offering it directly to qualified local investors who can move quickly, with optional THMC financing on the acquisition and finish-out under standard hard money terms.
804 Madison Ave.
A 4-bedroom, 3.5-bath new-construction farmhouse on a corner lot in one of St. Charles's most desirable in-town neighborhoods. Three finished levels plus a full basement. Two-car attached garage. Walk to downtown.
Exterior · Corner View
Rear · Balcony
Main Level
Staircase
Covered Porch
Property at a Glance
Here's where the project sits today.
The shell is built. Foundation is poured, the structure is framed across three levels plus a full basement, the roof is on, and the exterior is sheathed with ForceField weather barrier. The covered front porch is framed with finished decking and exposed rafter ceiling. A rear balcony and deck extend off the upper levels.
Inside, walls are framed and the staircase is finished. Plumbing rough-in is complete, including drain/vent stacks through the basement utility area. The electrical service is set — a Square D 200A panel is mounted with breakers in place and temporary GFCI outlets wired for construction. HVAC ductwork is run through the basement.
What's left is the finish work: insulation and drywall, mechanical trim-out, cabinetry, flooring, tile, paint, exterior siding completion, interior doors, fixtures, appliances, landscaping, and final driveway. A full set of construction photos is available on request.
- ~4,250 sq ft at completion
- 3 stories + full basement
- Foundation poured
- Framing complete · 3 levels
- Roof on · dried-in
- ForceField sheathing
- Covered front porch framed
- Rear balcony · deck framed
- Finished interior staircase
- Plumbing rough-in complete
- 200A Square D electrical set
- HVAC ductwork run
- Multi-gabled roofline
- 2-car attached garage
Underwritten to a comp-supported St. Charles exit.
East-side St. Charles new construction has been pricing at or above $1M for comparable 4-bed/3.5-bath farmhouse builds. This property was originally listed at $998,500 and was designed and partially built to that target. Buyer carries finish-out cost; we have not set a budget figure here — the new owner underwrites the scope.
We can fund the deal we're selling.
The Hard Money Co. is offering this property for sale — and we can also finance the acquisition and finish-out for qualified investors. Same standard hard money and bridge lending terms we offer on any deal.
Closed with us before? You know the process. New to THMC? Apply and underwrite alongside your offer — no separate hoop to jump through.
THMC Financing EligibleWalk to downtown St. Charles. One of the Fox Valley's premier addresses.
East-side St. Charles is a tight, in-demand sub-market. Downtown, parks, golf, and top-rated schools are all minutes away — and new-construction inventory in this pocket is scarce and consistently absorbed at premium pricing.
District 303
St. Charles East High School zone. One of the top-performing public school districts in the Fox Valley — a meaningful resale driver.
Parks + Golf
Langum Park around the corner. Pottawatomi Park & Golf Course less than a mile. Fox River trail system minutes away.
Downtown St. Charles
Restaurants, coffee, retail, and St. Charles's signature seasonal events — all walkable. D&G Brewing, Penrose, and Pollyanna nearby.
Ready to underwrite this deal?
Submit your offer or request the full property package. We respond same business day to qualified investors. Indicate in your inquiry whether you'll need THMC financing — we'll quote alongside the offer.
Milwaukee, WI 53233
Investor Inquiry
Submit your bid, request the property package, or ask about financing.
This page is provided for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security. All property details, projected after-repair values, comparable sales references, and financial figures shown are estimates derived from public records and prior listing data; they are not appraisals and have not been independently verified. The property is offered as-is, where-is, with all faults. Prospective buyers are responsible for their own due diligence including, but not limited to, independent appraisal, title review, environmental and structural inspection, scope of work, and finish-out budget. Financing, if elected, is subject to underwriting, credit approval, and standard terms and conditions of The Hard Money Co. The Hard Money Co. and F Street Investments, LLC make no representations or warranties, express or implied, regarding the accuracy of information presented or the potential profitability of the investment.