Loading homes
Back to search
Active Under ContractMLS #: 127097451 / 53Get an accurate number
Active Under ContractMLS #: 127097451 / 534 Beds
$319,900
419-421 N Spring Street, Elgin IL, 60120
Est. payment: $2,248/mo · 20% down, 30-year fixed at 6.95%, principal, interest, and taxes per the listing
Built in
1900
Property type
Two to Four Units
Listed by Karen Sims with Buy Sell Invest Fox Valley
Questions about this home: Nick Rife, Rife Realty, (815) 258-1471 or Nick@RifeRealty.com
Overview
Outstanding investment opportunity in a classic Elgin two-flat located in the Spring-Douglas historical district, offering immediate cash flow plus long-term upside! This well-maintained up/down duplex features two generously sized 2-bedroom units full of vintage character - high ceilings, natural millwork, a charming bay window, and gleaming hardwood floors throughout. Easy walking distance to schools, library and downtown. Unit 1 (421) - VACANT & MOVE-IN READY: Freshly painted, professionally cleaned, and updated with new kitchen flooring - ready to lease at market rent or perfect for an owner-occupant. This spacious 2-bedroom layout includes a primary bedroom and second bedroom, both with generously sized closets, plus a separate living room and family room for flexible everyday living. The kitchen and dining area form one large, open, adjoined space - ideal for entertaining - along with a full bath. Get top rent from day one with this beautifully refreshed unit. Unit 2 (419) - LONG-TERM, STABLE TENANT: A comfortable 2-bedroom layout with a functional galley kitchen, spacious living room, and full bath. Currently occupied on a month-to-month lease, providing immediate income with flexibility for future rent increases or owner use. Additional highlights include a freshly painted basement for extra storage, a detached 2-car garage, and a generous fenced yard - all located just minutes from downtown Elgin, Metra, shopping, and dining. Whether you're an investor looking to add a cash-flowing asset to your portfolio or an owner-occupant hoping to live in one unit while renting the other, this solid two-flat checks every box: updated, spacious, and priced to perform. Schedule your showing today (Lower unit can be a go & show, upstairs requires 48 hour notice.)
Location
419-421 N Spring Street, Elgin IL, 60120
- Township
- Elgin
- County
- Kane
- Area
- Elgin
Interior
- Bedrooms
- 4
- Total rooms
- 10
- Basement
- Unfinished, Full
- Heating
- Natural Gas
Exterior and lot
- Construction
- Fir, Frame
- Roof
- Asphalt
- Lot features
- Corner Lot
- Lot size
- Less Than .25 acres (66X115)
- Garage spaces
- 2
- Parking
- Detached, Garage
- Total parking
- 4
- Sewer
- Public Sewer
- Water
- Public
Schools
Listing details
- MLS number
- 12709745
- Status
- Active Under Contract
- Property type
- Two to Four Units
- Year built
- 1900
- Town
- Elgin
- ZIP
- 60120
- Updated
- Jul 29, 2026
Estimate your payment
Term, years
Your monthly payment will be
$2,248
Principal, interest, and estimated taxes.
Loan $255,920 Down $63,980
- Principal and interest
- $1,694
- Property taxes (2025, per the listing)
- $554
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.
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, 4:25 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.
Listing information is provided exclusively for consumers’ personal, noncommercial 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 MLS GRID. The use of the MLS GRID Data may be subject to an end user license agreement prescribed by Midwest Real Estate Data LLC (MRED), if any and as amended from time to time.
Some listings have been excluded from this website. This site shows homes in Will, Kankakee, DuPage, Grundy, Kendall, Kane, LaSalle, Iroquois, Livingston, and Ford counties and the southern half of Cook County.
Any use or search of the data on this website, other than by a consumer looking to purchase real estate, is prohibited. Copyright concerns: see our DMCA notice. Listing information © 2026 Midwest Real Estate Data LLC (MRED).
