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Active - House for sale

Elgin, IL

4 bds|2 bth + 1 half|3,046 sqft

Facts & features

House Property type
2005 Year built
$183 Price/Sqft.
2 car garage Parking
$425/yr HOA
9,108 sqft Lot size

Why you’ll love it

Rates Increasing? No worries! SELLER IS OFFERING BUYER CLOSING COST CREDIT toward an interest-rate buydown or other allowable closing costs! Beautifully updated 4-BR, 3-bath home on a premium lot in Elgin's desirable Providence Subdivision, School District 301, featuring ~ $72K in seller-reported builder upgrades and lot enhancements! Bright, spacious layout offers formal living/dining rooms, family room, second-floor loft, and first-floor den/potential 5th bedroom. Upgraded kitchen features 42" cabinets, Corian countertops, GE stainless appliances, butler's pantry, built-in desk, and ceramic flooring. Spacious primary suite boasts two walk-in closets, jetted tub, separate shower, and dual vanities. Additional upgrades include abundant windows, premium fixtures, upgraded millwork, whole house window grids, extra outlets, and an insulated 2-car garage with decorative glass inserts. Full unfinished basement with 3-piece bath rough-in offers expansion potential. Enjoy a fenced backyard, an enlarged 12' x 10' deck, a brick paver patio, and an illuminated walkway. RECENT UPDATES: NEW range and microwave (Oct 2026), kitchen sink/faucet (2024), and water heater (2023). PRIME LOCATION! Steps from Settlers Park, near ECC College, shopping, dining, recreation, and convenient access to US-20, Route 47, and I-90. MOTIVATED SELLERS-SCHEDULE YOUR SHOWING TODAY!

Translating description...

Listings courtesy of RE/MAX SAWA as distributed by MLS GRID.

Listed by: Syed Zakria • RE/MAX SAWA

Co-listed by: RE/MAX SAWA

Source: MRED as distributed by MLS GRID, MLS#: 12764459 MRED as distributed by MLS GRID logo

Based on info available as of Nov 14, 2026 at 12:20 PM EST.

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Affordability

$365,000$755,000
1%20%
0%90%
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Estimated monthly payment

$3,813/mo

  • Mortgage$2,822
  • Property tax$956
  • HOA fee
  • Homeowners insurance
Due at closing$443,610
Down payment held in escrow$111,600
Closing costs$8,370
beycome credit Est.$11,160

Beycome estimates only. Actual amounts and terms vary by lender and location.

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Travel times

About Elgin

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This local overview has been generated by Artur AI, for informational purposes only. Please verify all details independently before relying on it.

Flood & climate risk

FEMA Flood Zone X

Outside the high-risk Special Flood Hazard Area — flood insurance is usually optional but still worth considering.

More details

Source: FEMA National Flood Hazard Layer. Confirm on the FEMA Flood Map.

Disclaimer

Midwest Real Estate Data (MRED) All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of the Multiple Listing Service. Real estate listings held by brokerage firms other than Midwest Real Estate Data may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. Copyright ©2026 All rights reserved. Based on information submitted to the MLS GRID as of Nov 14, 2026 at 12:20pm EST. 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.

$558,000 Listed price

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$11,160 Credit back

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