OFF MARKET

Off Market Dec 2021 for $200K

$274,188

Est. refi paymentEst. refi $1,601/mo

•

—

sq ft

428 Division St, Elgin, IL 60120

About this home

**(1st) Buyer's financing fell through in the 11th hour (2nd) Got cold feet after completing A/I** INVESTORS!! rent out both units and make passive income or live in one unit and rent out the other. This 2 unit property offers separate entrances, 2 covered porches, with shared laundry in the basement. Conveniently located near express ways, walking distance to downtown and the Metra station. Updates done to both kitchens and bathrooms. Hardwood floor under the carpet in the lower unit. Rent ready! A/C 2020, (2) Water heaters 2019, all appliances 2018-2019, washer & dryer 2019, furnace 2016 and roof in 2010. ** Completed on property: (2) Inspections & A/I periods, (1) FHA Appraisal, (2) City of Elgin Rental Inspections - the last in 2019 & received a 3 year grace period for above satisfactory condition**

Multi-familyProperty Type

1900Year Built

5,662 sq ftLot Size

Listed by Christopher Davis • Inspire Realty Group LLC

Bought with Esther Zamudio • Zamudio Realty Group

Redfin checked: 3 minutes ago

•Source:MRED as Distributed by MLS Grid #11264057

Redfin Estimate

$274,188

$74K since sold in December 2021$8,000 since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 9.2% lower than the average sale price ($302K) of 6 comparable homes.

SOLD AUG 5, 2026
$292,000
A
3 beds2 baths1,784 sq ft
630 Forest Ave, Elgin, IL 60120
SOLD JUN 1, 2026
$300,000
B
3 beds2 baths1,344 sq ft
468 North St, Elgin, IL 60120
SOLD MAY 18, 2026
$299,000
C
3 beds2 baths1,820 sq ft
268 Seneca St, Elgin, IL 60120
SOLD JUL 23, 2026
$363,000
D
3 beds2.5 baths1,322 sq ft
410 Standish St, Elgin, IL 60123
SOLD JUN 24, 2026
$302,575
E
4 beds2.5 baths1,906 sq ft
168 Villa St, Elgin, IL 60120
SOLD MAY 21, 2026
$255,000
F
3 beds1.5 baths1,230 sq ft
463 North St, Elgin, IL 60120

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Earn from this home

Sell

$114,938

Est. take-home

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Refinance

Est. cash available

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Market trends in 60120, IL

Last updated August 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-List Price

100.9%

+0.0% MoM

Median sale price

$323K

$8K MoM

Avg. days on market

45d

1 days MoM

Recently sold homes

112

13 MoM

New listings for sale

NEW 21 HRS AGO
$315,000
3 beds2 baths1,080 sq ft
725 Dixon Ave, Elgin, IL 60120
$339,900
3 beds2.5 baths1,266 sq ft
1310 Leawood Dr, Elgin, IL 60120
$256,900
3 beds1.5 baths1,306 sq ft
612 Page Ave, Elgin, IL 60120
$349,900
2 beds2.5 baths1,875 sq ft
209 Prairie St #209, Elgin, IL 60120
$324,900
3 beds1 bath1,200 sq ft
557 Willard Ave, Elgin, IL 60120
VIDEO TOUR
$315,000
2 beds2.5 baths1,796 sq ft
347 Gladstone Ln, Elgin, IL 60120
$182,500
1 bed1 bath576 sq ft
673 Ludlow Ave, Elgin, IL 60120
$175,000
2 beds2 baths1,300 sq ft
1607 Kenneth Cir #1607, Elgin, IL 60120
$215,000
2 beds1 bath815 sq ft
1401 Sherwood Ave, Elgin, IL 60120
3D WALKTHROUGH
$374,900
3 beds2.5 baths1,630 sq ft
401 Longford Dr, Elgin, IL 60120
See all

Provided by Redfin

Sale history for 428 Division St

Date

Event

Price

Public Records

Feb 14, 2022

Sold

$200,000

MRED as Distributed by MLS Grid #11264057

Dec 17, 2021

Sold (MLS) (Closed)

$200,000

Nov 7, 2021

Pending (Active Under Contract)

—

Nov 5, 2021

Listed (Active)

$200,000

MRED as Distributed by MLS Grid #11203905

Oct 27, 2021

Pending (Active Under Contract)

—

Oct 26, 2021

Listing Removed

—

Oct 22, 2021

Relisted (Active)

—

Aug 30, 2021

Pending (Active Under Contract)

—

Aug 30, 2021

Listed (Active)

MRED as Distributed by MLS Grid #09777280

Dec 29, 2017

Sold (MLS) (Closed Sale)

$130,000

Nov 21, 2017

Contingent

—

Nov 15, 2017

Price Changed

$124,500

Oct 13, 2017

Listed (New)

$134,500

INVESTORS! This 2 flat near downtown Elgin is ready for new owners/tenants. Beautiful hardwood/laminate floors and new carpeting in most rooms! Freshly painted. Copper waterline, upgraded electric w/ 2 meters. New furnace 2016 and roof in 2010. Great income potential. Live in one flat and rent the other! The property features gorgeous old world woodwork, bay window and wrap around porch. Porch redone in 2011. Don't miss out! Sold "AS IS". Can close quickly.

Year

Property tax

Land + Additions

Assessment*

2025

$4,406 (+4.7%)

$12,704 + $53,043

$65,747

2024

$4,206 (+5.6%)

$12,704 + $53,043

$65,747

2023

$3,982 (+14.2%)

$11,701 + $48,856

$60,557

2022

$3,488 (+5.0%)

$10,571 + $44,138

$54,709

2021

$3,320 (+3.3%)

$9,639 + $36,587

$46,226

2020

$3,216 (+3.4%)

$9,012 + $34,206

$43,218

2019

$3,110 (+1.4%)

$8,195 + $31,106

$39,301

2018

$3,067 (−14.8%)

$8,195 + $31,106

$39,301

2017

$3,600 (+4.0%)

$7,720 + $29,304

$37,024

2016

$3,463 (+0.4%)

$7,298 + $27,703

$35,001

2015

$3,451 (+12.3%)

$6,771 + $25,701

$32,472

2013

$3,073 (−19.0%)

$6,291 + $23,880

$30,171

2012

$3,796 (−18.5%)

$6,291 + $23,880

$30,171

2011

$4,658 (−4.6%)

$6,795 + $30,346

$37,141

2010

$4,882 (+3.6%)

$8,420 + $47,369

$55,789

2009

$4,712 (+5.8%)

$8,420 + $47,369

$55,789

2008

$4,452 (+1.2%)

$9,027 + $50,781

$59,808

2007

$4,399

$8,737 + $49,149

$57,886

Tax history for 428 Division St

Year

Property tax

Land + Additions

Assessment*

2025

$4,406 (+4.7%)

$12,704 + $53,043

$65,747

2024

$4,206 (+5.6%)

$12,704 + $53,043

$65,747

2023

$3,982 (+14.2%)

$11,701 + $48,856

$60,557

2022

$3,488 (+5.0%)

$10,571 + $44,138

$54,709

2021

$3,320 (+3.3%)

$9,639 + $36,587

$46,226

2020

$3,216 (+3.4%)

$9,012 + $34,206

$43,218

2019

$3,110 (+1.4%)

$8,195 + $31,106

$39,301

2018

$3,067 (−14.8%)

$8,195 + $31,106

$39,301

2017

$3,600 (+4.0%)

$7,720 + $29,304

$37,024

2016

$3,463 (+0.4%)

$7,298 + $27,703

$35,001

2015

$3,451 (+12.3%)

$6,771 + $25,701

$32,472

2013

$3,073 (−19.0%)

$6,291 + $23,880

$30,171

2012

$3,796 (−18.5%)

$6,291 + $23,880

$30,171

2011

$4,658 (−4.6%)

$6,795 + $30,346

$37,141

2010

$4,882 (+3.6%)

$8,420 + $47,369

$55,789

2009

$4,712 (+5.8%)

$8,420 + $47,369

$55,789

2008

$4,452 (+1.2%)

$9,027 + $50,781

$59,808

2007

$4,399

$8,737 + $49,149

$57,886

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Beds

—

Baths

—

Stories

—

Lot width

—

Lot depth

—

Lot size

5,907 Sq. Ft.

Year renovated

—

Sq. Ft.

—

Year built

—

Style

Single Family Residential

County

Kane County

APN

0613181007

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Sep 8, 2026.

Property details

Parking

Parking Information
Parking: None

Interior

Bathroom Information
# of Baths (Full): 2

Bedroom Information
# of Bedrooms: 3
# of Bedrooms Possible: 3

Additional Rooms Information
Basement: Full
Basement Description: Unfinished

Interior Features
# of Rooms: 7

Exterior

Exterior Features
Exterior Features: Balcony, Patio, Porch

Building Information
# Of Units in Building: 2
Exterior Building Type: Frame
Age: 100+ Years
Built Before 1978 (Y/N): Yes
Roof: Asphalt
Foundation Details: Brick/Mortar, Concrete Perimeter

Property Information
Property Type: Two to Four Units
Ownership: Fee Simple
Rebuilt (Y/N): No
Rehab (Y/N): No
General Information: School Bus Service,Historical District
Parcel Number: 0613181007

Lot Information
Dimensions: 44X132
Lot Size: Less Than .25 Acre
Zoning: MULTI

Financial

Tax Information
Tax Annual Amount: $3,215.66
Tax Year: 2020
Tax Exemptions: Homeowner

Financial Information
Finance Code: FHA
Special Service Area: N

Utilities

Utility Information
Water Source: Public
Sewer: Public Sewer

Heating & Cooling
Heating: Natural Gas

Location

Community Information
Community Features: Sidewalks, Street Lights, Street Paved

School Information
Elementary School District: 46
Middle Or Junior School District: 46
High School District: 46

Location Information
Township: Elgin
Corporate Limits: Elgin
Directions: RT 25 (Liberty) to Division West

Public facts

Beds: —
Baths: —
Sq. Ft.: —
Stories: —
Lot Size: 5,907 square feet
Style: Single Family Residential
Year Built: —
Year Renovated: —
County: Kane County
APN: 0613181007

Home facts updated by county records on Sep 8, 2026

Other

Listing Information
Holds Earnest Money: Yes
Possession: Closing

Teams Information
Buyer Team Name: THE ESTHER ZAMUDIO TEAM

Around this home

Schools

Ronald D O'Neal Elementary School

Public K-6 • Assigned • 0.4mi

4/10

Ellis Middle School

Public 7-8 • Assigned • 0.5mi

4/10

Elgin High School

Public 9-12 • Assigned • 1.7mi

2/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

3/10 Heat Factor

7 days above 102° expected this year, 14 days in 30 years

2/10 Wind Factor

0% chance of strong winds in next 30 years

2/10 Air Factor

1 unhealthy days expected this year, 2 days in 30 years

Provided by First Street

Historical weather

Elgin, IL • 60120

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 10.2 hours in June and 3.4 hours in December, placing it below the U.S. average for solar exposure.

10.2 hrs

3.4 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$261,000 – $316,000

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New listings for sale in 60120

NEW 21 HRS AGO

$315,000

3 beds2 baths1,080 sq ft

725 Dixon Ave, Elgin, IL 60120

$339,900

3 beds2.5 baths1,266 sq ft

1310 Leawood Dr, Elgin, IL 60120

$256,900

3 beds1.5 baths1,306 sq ft

612 Page Ave, Elgin, IL 60120

$349,900

2 beds2.5 baths1,875 sq ft

209 Prairie St #209, Elgin, IL 60120

$324,900

3 beds1 bath1,200 sq ft

557 Willard Ave, Elgin, IL 60120

VIDEO TOUR

$315,000

2 beds2.5 baths1,796 sq ft

347 Gladstone Ln, Elgin, IL 60120

$182,500

1 bed1 bath576 sq ft

673 Ludlow Ave, Elgin, IL 60120

$175,000

2 beds2 baths1,300 sq ft

1607 Kenneth Cir #1607, Elgin, IL 60120

$215,000

2 beds1 bath815 sq ft

1401 Sherwood Ave, Elgin, IL 60120

Home values near 428 Division St

Data from public records.

Address	Redfin Estimate
445 Division St, Elgin, IL 4 Beds \| 2 Baths \| - Sq. Ft.	$269,680
405 Division St, Elgin, IL 6 Beds \| 2 Baths \| 2473 Sq. Ft.	$187,802

Address	Redfin Estimate
433 Division St, Elgin, IL 3 Beds \| 2.5 Baths \| 2460 Sq. Ft.	$441,366
432 Division St, Elgin, IL 2 Beds \| 2 Baths \| 1586 Sq. Ft.	$318,985

Address	Redfin Estimate
429 Division St, Elgin, IL 4 Beds \| 2 Baths \| 1996 Sq. Ft.	$252,294
424 Division St, Elgin, IL 9 Beds \| 4 Baths \| - Sq. Ft.	$443,296

Property information provided by MRED as Distributed by MLS Grid when last listed in 2021. This data may not match . Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Redfin Estimate

Earn from this home

Market trends in 60120, IL

Sale history for 428 Division St

Tax history for 428 Division St

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 60120

Home values near 428 Division St

More real estate resources