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PendingMLS #: 127093021 / 42Get an accurate number
PendingMLS #: 127093021 / 423 Beds · 1.5 Baths · 1,998 sq ft
$309,900
422 Summit Street, Elgin IL, 60120
Est. payment: $2,194/mo · 20% down, 30-year fixed at 6.95%, principal, interest, and taxes per the listing
Price per sq ft
$155
Built in
1900
Property size
1,998 sq ft
Lot size
0.2606 acres
Property type
Detached Single
Listed by John Salidas with @properties Christie's International Real Estate
Questions about this home: Nick Rife, Rife Realty, (815) 258-1471 or Nick@RifeRealty.com
Overview
Move-in ready, updated kitchen, refinished hardwood floors, flexible living spaces, and over 2,900+ square feet (including basement). This beautifully maintained historic home offers the perfect blend of timeless character and modern functionality. From the moment you arrive, the stately wrap-around front porch welcomes you inside, where stunning original woodwork, built-in details, rich Craftsman trim, and a beautifully crafted staircase showcase the home's enduring charm. Designed for today's lifestyle, the spacious main level features three separate living areas, a formal dining room, and a versatile main-floor bedroom that can easily serve as a home office, guest room, playroom, or additional family room. The updated kitchen offers abundant cabinetry, generous prep space, and opens to the home's entertaining areas, making gatherings both comfortable and convenient. Upstairs, you'll find two generously sized bedrooms, while the expansive basement adds incredible flexibility with multiple finished spaces ideal for a recreation room, fitness area, hobby room, workspace, or additional storage. Whether you're entertaining guests or simply need room to spread out, this home offers space for every stage of life. Outside, enjoy your morning coffee on the inviting wrap-around porch, host summer cookouts on the deck or brick paver patio, and relax in the private, tree-lined backyard backing to city-owned open space with no direct neighbors behind. A detached two-car garage completes the property. Conveniently located just minutes from downtown Elgin, Metra, I-90, shopping, dining, parks, and everyday conveniences, this move-in ready home delivers the character buyers love with the space and versatility they rarely find.
Location
422 Summit Street, Elgin IL, 60120
- Township
- Elgin
- County
- Kane
- Area
- Elgin
Interior
- Bedrooms
- 3
- Full bathrooms
- 1
- Half bathrooms
- 1
- Total rooms
- 11
- Living area
- 1,998 sq ft (Plans)
- Interior features
- 1st Floor Bedroom, Built-in Features, Walk-In Closet(s), Separate Dining Room
- Appliances
- Range, Dishwasher, Refrigerator, Washer, Dryer, Disposal, Stainless Steel Appliance(s), Range Hood, ENERGY STAR Qualified Appliances, Front Controls on Range/Cooktop, Gas Cooktop, Electric Oven
- Laundry
- Gas Dryer Hookup, Electric Dryer Hookup, In Unit, Sink
- Flooring
- Hardwood
- Basement
- Partially Finished, Exterior Entry, Concrete, Rec/Family Area, Storage Space, Full
- Cooling
- Central Air, Partial, Wall Unit(s), Zoned, Electric
- Heating
- Natural Gas, Forced Air
- Electric
Listing details
- MLS number
- 12709302
- Status
- Pending
- Property type
- Detached Single
- Year built
- 1900
- Town
- Elgin
- ZIP
- 60120
- Updated
- Sep 16, 2026
Estimate your payment
Term, years
Your monthly payment will be
$2,194
Principal, interest, and estimated taxes.
Loan $247,920 Down $61,980
- Principal and interest
- $1,641
- Property taxes (2025, per the listing)
- $553
Ballpark estimated payments for planning. Not a quote or a preapproval.
What this estimate includes
Principal, interest, and property taxes: the listing's reported bill when MRED has one, otherwise an estimate from typical corridor rates. Insurance and any PMI are not included, and this is not an offer of credit. Your real number depends on your credit, the lender, and the property.
Talk to Nick and he will connect you with one of his preferred lenders for a real figure.
Similar properties
Listings courtesy of Midwest Real Estate Data (MRED) as distributed by MLS GRID.
Based on information submitted to the MLS GRID as of Sep 21, 2026, 10:25 PM CT. 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.
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