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ActiveMLS #: 127284481 / 26Get an accurate number
ActiveMLS #: 127284481 / 262 Beds · 3 Baths · 1,858 sq ft
$449,900
281 Governors Lane Unit 281, Elgin IL, 60123
Est. payment: $3,066/mo · 20% down, 30-year fixed at 6.95%, principal, interest, and taxes per the listing
Price per sq ft
$242
Built in
1988
Property size
1,858 sq ft
Property type
1/2 Duplex
Listed by Tamara O'Connor with Premier Living Properties
Questions about this home: Nick Rife, Rife Realty, (815) 258-1471 or Nick@RifeRealty.com
Overview
Rarely available ranch half-duplex that lives like a single-family home and offers the perfect opportunity to right-size without giving up space! Tucked away in a small enclave of homes, this spacious residence offers over 1,800 square feet on the main level with a comfortable, open layout designed for everyday living and entertaining. A welcoming foyer leads to a private den/home office, while the vaulted ceiling, island kitchen with granite and Stainless Steel appliances and walk in pantry opens to expansive living and dining areas. Recent updates include new luxury vinyl plank flooring throughout the first floor, fresh paint throughout, new base trim, a new refrigerator, freshly painted garage, and updates to the kitchen and baths. The main level features two generous bedrooms and two full baths, including a spacious primary suite with an incredible four closets and private bath. Main-floor laundry adds everyday convenience. The finished basement dramatically expands the home's versatility with a large recreation room, third full bath, and bonus room ideal for hobbies, exercise, guests or a home office, plus abundant storage. If additional living space isn't needed, the lower level provides exceptional storage rarely found in today's homes. Additional highlights include an attached two-car garage, large deck, yard access and newer HVAC (2021). Enjoy easy access to the Randall Road shopping and dining corridor, Route 20, I-90, Metra and everything the area has to offer. If you've been searching for low-maintenance living without sacrificing space, this is an opportunity you won't want to miss!
Location
281 Governors Lane Unit 281, Elgin IL, 60123
- Township
- Elgin
- County
- Kane
- Area
- Elgin
Interior
- Bedrooms
- 2
- Full bathrooms
- 3
- Total rooms
- 8
- Living area
- 1,858 sq ft (Assessor)
- Interior features
- Vaulted Ceiling(s), 1st Floor Bedroom, 1st Floor Full Bath
- Appliances
- Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer
- Laundry
- Main Level, Gas Dryer Hookup, In Unit
- Basement
- Partially Finished, Full
- Cooling
- Central Air
- Heating
- Natural Gas, Forced Air
- Electric
- Circuit Breakers
Exterior and lot
- Construction
- Aluminum Siding, Brick
- Roof
- Asphalt
Listing details
- MLS number
- 12728448
- Status
- Active
- Property type
- 1/2 Duplex
- Year built
- 1988
- Town
- Elgin
- ZIP
- 60123
- Updated
- Sep 21, 2026
Estimate your payment
Term, years
Your monthly payment will be
$3,066
Principal, interest, and estimated taxes.
Loan $359,920 Down $89,980
- Principal and interest
- $2,382
- Property taxes (2025, per the listing)
- $684
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, 2:29 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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