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ActiveMLS #: 127519741 / 33Get an accurate number
ActiveMLS #: 127519741 / 335 Beds
$449,900
386 E Chicago Street, Elgin IL, 60120
Est. payment: $2,904/mo · 20% down, 30-year fixed at 6.95%, principal, interest, and taxes per the listing
Built in
1900
Lot size
0.33 acres
Property type
Two to Four Units
Listed by Robert Wisdom with RE/MAX Horizon
Questions about this home: Nick Rife, Rife Realty, (815) 258-1471 or Nick@RifeRealty.com
Overview
Now is your opportunity to own one of Elgin's finest historic homes! Located just blocks from downtown Elgin, this grand residence offers timeless character, generous living space and exceptional flexibility for modern living. This is not your typical duplex-it is a distinguished historic home with a separate upper-level apartment, making it an excellent opportunity for a primary residence with space for multigenerational living, guests or rental income. Set on a deep, level lot with mature trees, this beautiful home welcomes you with a huge covered front porch, perfect for relaxing on summer evenings. Step inside to a grand foyer/parlor showcasing beautiful custom millwork, a large separate living room with crown and oversized moldings, and a formal dining room with exposed wood beams and a butler's swinging door leading to the updated kitchen. The kitchen features oak cabinetry, extra recessed lighting and wood laminate flooring. A back covered, enclosed porch with separate heating and air conditioning and vaulted ceilings provides a wonderful space for summer gatherings. The main residence offers a huge primary bedroom with a private fireplace and walk-in closet, graciously sized secondary bedrooms and a rare back-to-back arrangement of two full bathrooms-one with a whirlpool tub and the other with a walk-in shower. The full finished basement adds even more living and hobby space, including a recreation room, den, workshop area and additional laundry. The separate upper-level apartment is a tremendous bonus and a key part of this property's versatility. Currently rented for $925 per month, it features a spacious living room with a cozy gas-log fireplace, vaulted ceilings and a French door leading to a private balcony. A separate dining area with built-in hutch, updated kitchen with oak cabinetry and tile flooring, spacious bedroom with secondary exit for added safety and in-unit laundry make this a comfortable and functional living space. Whether used for family members, extended-stay guests, or a tenant, this apartment offers flexibility rarely found in a traditional single-family home. The main home is loaded with charm and character, while the unique detached 21/2-car garage with attached heated office provides an excellent space for an in-home business, studio, or work area. All of this is situated just blocks from downtown Elgin, with its beautiful library, recreation center, Hemmens Auditorium and much more. Nothing else even close on the market like this! Tremendous space, historic character and flexibility for the value. A truly special opportunity to own a grand historic home that can adapt to the way you live-whether that means enjoying it as your primary residence, sharing it with family, welcoming guests or taking advantage of rental income from the separate apartment. This is an estate sale being sold as is!
Location
386 E Chicago Street, Elgin IL, 60120
- Township
- Elgin
- County
- Kane
- Area
- Elgin
Interior
- Bedrooms
- 5
- Total rooms
- 16
- Basement
- Finished, Full
- Heating
- Natural Gas, Forced Air
Exterior and lot
- Construction
- Cedar
- Lot size
- 0.33 acres (55x262)
- Garage spaces
- 2.5
- Parking
- Garage Door Opener, Garage Owned, Detached, Garage
- Total parking
- 2.5
- Sewer
- Public Sewer
- Water
- Public
Schools
- Elementary district
- 46
- Middle district
- 46
Listing details
- MLS number
- 12751974
- Status
- Active
- Property type
- Two to Four Units
- Year built
- 1900
- Town
- Elgin
- ZIP
- 60120
- Updated
- Sep 11, 2026
Estimate your payment
Term, years
Your monthly payment will be
$2,904
Principal, interest, and estimated taxes.
Loan $359,920 Down $89,980
- Principal and interest
- $2,382
- Property taxes (2025, per the listing)
- $522
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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