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ActiveMLS #: 127474531 / 44Get an accurate number
ActiveMLS #: 127474531 / 442 Beds · 1 Baths
$330,000
642 Wellington Avenue, Elgin IL, 60120
Est. payment: $1,949/mo · 20% down, 30-year fixed at 6.95%, principal, interest, and taxes per the listing
Built in
1900
Property type
Detached Single
Listed by Christina Hopkins with Compass
Questions about this home: Nick Rife, Rife Realty, (815) 258-1471 or Nick@RifeRealty.com
Overview
A rare Fox River opportunity offering breathtaking water views, direct Riverwalk access, and a location within one of Elgin's most established and historic neighborhoods. BRAND NEW Furnace and Air conditioning installed July 2026. Surrounded by the rich heritage that helped shape the city, this home is located near the historiical National Watch Company Observatory and just moments from Downtown Elgin's parks, trails, restaurants, and cultural attractions. Perched above the Fox River, this charming 2-bedroom, 1-bath home captures remarkable panoramic water views from both the interior living spaces and the expansive deck. The primary bedroom features direct access to the shared bath, while the second bedroom offers a convenient Murphy bed and an oversized wall-length closet, maximizing both functionality and flexibility. The main level welcomes you with a formal living room where large windows frame stunning river views, creating a peaceful setting for everyday living and entertaining alike. Character-rich details throughout reflect the home's early 1900s origins, blending historic charm with comfortable living. The walkout lower level features a cozy family room, kitchen with a built-in breakfast nook, mechanical room, and a separate exterior entrance that provides easy access to the backyard, Riverwalk, and waterfront. Whether you're searching for a full-time residence, weekend getaway, investment property, or short-term rental opportunity, this home offers exceptional versatility in a truly special riverfront setting. This rare combination of panoramic river views, direct waterfront access, walkability to Downtown Elgin, and long-term ownership seldom come to market. Don't miss this opportunity to own a unique piece of Fox River living.
Location
642 Wellington Avenue, Elgin IL, 60120
- Township
- Elgin
- County
- Kane
- Area
- Elgin
Interior
- Bedrooms
- 2
- Full bathrooms
- 1
- Total rooms
- 5
- Interior features
- 1st Floor Bedroom, 1st Floor Full Bath
- Appliances
- Range, Microwave, Refrigerator, Washer, Humidifier
- Fireplaces
- 0
- Basement
- Finished, Walk-Out Access
- Cooling
- Central Air
- Heating
- Natural Gas
- Electric
- Circuit Breakers, 150 Amp Service
Exterior and lot
- Style
- Cottage
- Construction
- Aluminum Siding
- Roof
- Asphalt
- Exterior features
Listing details
- MLS number
- 12747453
- Status
- Active
- Property type
- Detached Single
- Year built
- 1900
- Town
- Elgin
- ZIP
- 60120
- Updated
- Sep 18, 2026
Estimate your payment
Term, years
Your monthly payment will be
$1,949
Principal, interest, and estimated taxes.
Loan $264,000 Down $66,000
- Principal and interest
- $1,748
- Property taxes (2024, per the listing)
- $201
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.
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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, 6:59 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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