OFF MARKET

Off market dec 2019 for $178K

$284,517

Est. refi paymentEst. refi $1,425/mo

•

1 ba

•

900

sq ft

431 Elm St, Elgin, IL 60123

About this home

Lovely bungalow home situated on a tree lined street boasts a spacious front porch. Upon entering this beautiful home you'll be greeted by beautiful hardwood floors and oak crown molding in the living and dining rooms. Kitchen features brand new vinyl plank flooring, fresh paint, brand new cabinet hardware, an abundance of counter & cabinet space & a brand new dishwasher. All three bedrooms have hardwood floors & ceiling fans. Full bath includes modern subway tile & jetted tub as well as a convenient laundry chute leading to the basement. The large, full basement includes front loading LG washer and dryer with storage pedestals, a separate storage room & an additional shower. Easily control the temperature of this home from anywhere with the Honeywell thermostat app. The fully fenced yard includes a storage shed, mature landscaping & a 2 car garage. Additional storage space is available in the large attic. Conveniently located minutes from Rt 20, a 5 min drive to the National St Metra station & downtown Elgin with many dining options. Newly separated storm & sanitation sewers with brand new, lead free water main to home!

Single-familyProperty Type

7,235 sq ftLot Size

$316Est. Price/Sq.Ft.

2 spacesParking

Listed by Angela Lotz • RE/MAX Suburban

Listed by Heather Rasek • RE/MAX Suburban

Bought with Gina Clifford • Berkshire Hathaway HomeServices Starck Real Estate

Redfin checked: 3 minutes ago

•Source:MRED as Distributed by MLS Grid #10555601

Redfin Estimate

$284,517

$107K since sold in December 2019$4,000 since September

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 5.6% higher than the average sale price ($269K) of 6 comparable homes.

SOLD SEP 25, 2026
$315,000
A
2 beds1 bath1,491 sq ft
319 Oak St, Elgin, IL 60123
SOLD JUL 14, 2026
$277,000
B
3 beds1 bath1,100 sq ft
515 Oak St, Elgin, IL 60123
SOLD JUN 25, 2026
$269,000
C
3 beds1 bath1,270 sq ft
286 Villa St, Elgin, IL 60120
SOLD SEP 28, 2026
$210,000
D
3 beds1.5 baths1,612 sq ft
330 Oak St, Elgin, IL 60123
SOLD SEP 25, 2026
$260,000
E
3 beds1.5 baths1,250 sq ft
501 Raymond St, Elgin, IL 60120
SOLD OCT 1, 2026
$285,000
F
2 beds1 bath1,012 sq ft
121 S Commonwealth Ave, Elgin, IL 60123

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Earn from this home

Sell

$146,787

Est. take-home

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Refinance

Est. cash available

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Rent

$1,450/mo

Redfin rental estimate

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Market trends in 60123, IL

Last updated September 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-List Price

101.0%

0.3% MoM

Median sale price

$320K

$8K MoM

Avg. days on market

41d

2 days MoM

Recently sold homes

136

4 MoM

New listings for sale

OPEN TODAY, 12PM TO 2PM
$430,000
4 beds4 baths2,468 sq ft
63 Lockman Cir, Elgin, IL 60123
$300,000
4 beds2 baths1,710 sq ft
428 Billings St, Elgin, IL 60123
$279,900
2 beds1.5 baths1,143 sq ft
1672 Pebble Beach Cir, Elgin, IL 60123
$349,900
3 beds2 baths1,520 sq ft
1300 N Lyle Ave, Elgin, IL 60123
OPEN TODAY, 12PM TO 3PM
$455,000
5 beds2.5 baths4,592 sq ft
186 N Du Bois Ave, Elgin, IL 60123
$749,000
Studio8 baths2,880 sq ft
809 South St, Elgin, IL 60123
$389,900
3 beds2 baths1,759 sq ft
273 Governors Ln, Elgin, IL 60123
$300,000
3 beds2 baths1,216 sq ft
279 S Aldine St, Elgin, IL 60123
$200,000
2 beds2 baths1,200 sq ft
1450 Plymouth Ln #203, Elgin, IL 60123
$465,000
5 beds2.5 baths2,292 sq ft
1450 Ashwood Dr, Elgin, IL 60123
See all

Provided by Redfin

Sale history for 431 Elm St

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Year

Property tax

Land + Additions

Assessment*

2025

$4,806 (+4.6%)

$17,264 + $53,732

$70,996

2024

$4,593 (+5.5%)

$17,264 + $53,732

$70,996

2023

$4,354 (+4.9%)

$15,901 + $49,491

$65,392

2022

$4,151 (+4.9%)

$14,365 + $44,711

$59,076

2021

$3,958 (+3.1%)

$13,098 + $40,769

$53,867

2020

$3,838 (+3.2%)

$12,246 + $38,116

$50,362

2019

$3,717 (+4.8%)

$11,136 + $34,662

$45,798

2018

$3,547 (+2.7%)

$11,136 + $34,662

$45,798

2017

$3,454 (+5.4%)

$10,491 + $31,383

$41,874

2016

$3,277 (+2.2%)

$9,918 + $29,668

$39,586

2015

$3,207 (+12.0%)

$9,201 + $27,524

$36,725

2013

$2,864 (−22.3%)

$8,550 + $25,574

$34,124

2012

$3,688 (−2.9%)

$8,550 + $25,574

$34,124

2011

$3,799 (−11.7%)

$9,235 + $32,846

$42,081

2010

$4,303 (+2.8%)

$11,442 + $43,735

$55,177

2009

$4,187 (+4.0%)

$11,442 + $43,735

$55,177

2008

$4,025 (+7.5%)

$12,266 + $46,886

$59,152

2007

$3,743

$11,872 + $45,379

$57,251

Tax history for 431 Elm St

Year

Property tax

Land + Additions

Assessment*

2025

$4,806 (+4.6%)

$17,264 + $53,732

$70,996

2024

$4,593 (+5.5%)

$17,264 + $53,732

$70,996

2023

$4,354 (+4.9%)

$15,901 + $49,491

$65,392

2022

$4,151 (+4.9%)

$14,365 + $44,711

$59,076

2021

$3,958 (+3.1%)

$13,098 + $40,769

$53,867

2020

$3,838 (+3.2%)

$12,246 + $38,116

$50,362

2019

$3,717 (+4.8%)

$11,136 + $34,662

$45,798

2018

$3,547 (+2.7%)

$11,136 + $34,662

$45,798

2017

$3,454 (+5.4%)

$10,491 + $31,383

$41,874

2016

$3,277 (+2.2%)

$9,918 + $29,668

$39,586

2015

$3,207 (+12.0%)

$9,201 + $27,524

$36,725

2013

$2,864 (−22.3%)

$8,550 + $25,574

$34,124

2012

$3,688 (−2.9%)

$8,550 + $25,574

$34,124

2011

$3,799 (−11.7%)

$9,235 + $32,846

$42,081

2010

$4,303 (+2.8%)

$11,442 + $43,735

$55,177

2009

$4,187 (+4.0%)

$11,442 + $43,735

$55,177

2008

$4,025 (+7.5%)

$12,266 + $46,886

$59,152

2007

$3,743

$11,872 + $45,379

$57,251

*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

1.5

Lot width

54 ft.

Lot depth

134 ft.

Lot size

7,236 Sq. Ft.

Year renovated

—

Sq. Ft.

—

Year built

—

Style

Single Family Residential

County

Kane County

APN

0623276006

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Sep 8, 2026.

Property details

Parking

Parking Information
# of Cars: 2
# of Garage Spaces: 2
Garage Parking
Garage Door Opener(s), Garage Transmitter(s)
Detached Garage
Garage On-Site
Owned Garage
Concrete Driveway

Interior

Bedroom Information
# of Bedrooms: 3
# of Bedrooms (Above Grade): 3

Master Bedroom Information
Size: 11X12
On Main Level
Hardwood Flooring
Window Blinds, Window Curtains/Drapes

Bedroom #2 Information
Size: 10X12
On Main Level
Hardwood Flooring
Window Blinds

Bedroom #3 Information
Size: 10X11
On Main Level
Hardwood Flooring
Plantation Shutters on Windows

Bathroom Information
# of Baths (Full): 1

Living Room Information
Size: 13X12
On Main Level
Hardwood Flooring
Window Curtains/Drapes

Dining Room Information
Separate Dining Room
Size: 13X13
On Main Level
Hardwood Flooring
Window Curtains/Drapes

Kitchen Information
Size: 15X10
Eating Area (Table Space)
On Main Level
Vinyl Flooring
Window Blinds

Additional Rooms Information
Enclosed Porch
Full Basement
Unfinished Basement
Interior Stair to Attic, Unfinished Attic

Additional Room #1 Information
Enclosed Porch
Size: 9X19
On Main Level

Equipment
Oven/Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer
Humidifier, Carbon Monoxide Detectors, Ceiling Fan

Interior Features
Hardwood Flooring

Heating & Cooling
Gas Heating, Forced Air Heating
Central Air Conditioning

Exterior

Building Information
Sq. Ft. Source: Not Reported
Built Before 1978
Age: 91-100 Years
Frame Exterior
Concrete Foundation
Asphalt/Glass Roof (Shingles)

Property Features
Patio, Porch

Lot Information
Dimensions: 54X134
Less Than .25 Acre
Fenced Yard, Wooded, Mature Trees

Property Information
# of Rooms: 6
Ownership: Fee Simple
Main Sq. Ft.: 900
Basement Sq. Ft.: 775
Unfinished Basement Sq. Ft.: 775
Assessor Sq.Ft.: 0
Aprox. Total Finished Sq. Ft.: 900
Total Finished/Unfinshed Sq Ft: 1675
Rural (Y/N): N
Model: BUNGALOW
School Bus Service, Commuter Train
Parcel Identification Number: 0623276006

Financial

Financial Information
Tax: $3,546.72
Tax Year: 2018
Tax Exemptions: Homeowner
Special Service Area: N
Finance Code: Conventional

Utilities

Utility Information
Water: Public
Sewer (Public), Sewer (Storm)
Fuses

Location

Community Information
Curbs/Gutters, Sidewalks, Street Lights, Paved Street

School Information
Elementary School: Lowrie Elementary School
Elementary School District: 46
Junior High: Abbott Middle School
Junior High District: 46
High School: Larkin High School
High School District: 46

Location Information
Township: Elgin
Corporate Limits: Elgin
Directions: Rt 31 to Orange St, West to Elm St, North to home

Public facts

Beds: 3
Baths: —
Sq. Ft.: —
Stories: 1.5
Lot Size: 7,236 square feet
Style: Single Family Residential
Year Built: —
Year Renovated: —
County: Kane County
APN: 0623276006

Home facts updated by county records on Sep 8, 2026

Other

Listing Information
Home Warranty
Possession: Closing
Holds Earnest Money: Yes
Seller Concessions: Yes
Seller Concessions Amount/Points: 4000

Around this home

Schools

Lowrie Elementary School

Public K-6 • Assigned • 0.2mi

3/10

Abbott Middle School

Public 7-8 • Assigned • 0.9mi

3/10

Larkin High School

Public PreK-12 • Assigned • 1.4mi

3/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

4/10 Flood Factor

Estimated 14-22% chance 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 • 60123

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

$271,000 – $328,000

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Home values near 431 Elm St

Data from public records.

Address	Redfin Estimate
422 Elm St, Elgin, IL 4 Beds \| 1 Baths \| 1800 Sq. Ft.	$323,741
418 Elm St, Elgin, IL 3 Beds \| 2.5 Baths \| 1403 Sq. Ft.	$344,108

Address	Redfin Estimate
417 Elm St, Elgin, IL 2 Beds \| 1 Baths \| 920 Sq. Ft.	$218,116
410 Elm St, Elgin, IL 3 Beds \| 1.5 Baths \| 1548 Sq. Ft.	$305,533

Address	Redfin Estimate
411 Elm St, Elgin, IL 3 Beds \| 2.5 Baths \| 1457 Sq. Ft.	$270,454
408 Elm St, Elgin, IL 3 Beds \| 1 Baths \| 1166 Sq. Ft.	$297,084

Property information provided by MRED as Distributed by MLS Grid when last listed in 2019. 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 60123, IL

Sale history for 431 Elm St

Tax history for 431 Elm St

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 60123

Home values near 431 Elm St

More real estate resources