@Kolterdyx,
You are not in love with her. You have a crush. You have never met. Your only contact is by chat. So get real and understand that this is simply a crush based on very little.
As for what I would do? I would see it for what it is, an online friendship that is not likely to be anything more based on where you both live. Enjoy it. But I would stay well away from saying you love her.