$309,900

422 Summit Street, Elgin, IL 60120

Active Under Contract
3 beds 1.5 baths 1,998 sqft (plans) Built 1900 Residential MLS #MRD12709302 35 days on market
Listing courtesy of @properties Christie's International Real Estate · 630-530-0900 · MLS #MRD12709302 · Status: Active Under Contract
Move-in ready, updated kitchen, refinished hardwood floors, flexible living spaces, and over 2,900+ square feet (including basement). This beautifully maintained historic home offers the perfect blend of timeless character and modern functionality. From the moment you arrive, the stately wrap-around front porch welcomes you inside, where stunning original woodwork, built-in details, rich Craftsman trim, and a beautifully crafted staircase showcase the home's enduring charm. Designed for today's lifestyle, the spacious main level features three separate living areas, a formal dining room, and a versatile main-floor bedroom that can easily serve as a home office, guest room, playroom, or additional family room. The updated kitchen offers abundant cabinetry, generous prep space, and opens to the home's entertaining areas, making gatherings both comfortable and convenient. Upstairs, you'll find two generously sized bedrooms, while the expansive basement adds incredible flexibility with multiple finished spaces ideal for a recreation room, fitness area, hobby room, workspace, or additional storage. Whether you're entertaining guests or simply need room to spread out, this home offers space for every stage of life. Outside, enjoy your morning coffee on the inviting wrap-around porch, host summer cookouts on the deck or brick paver patio, and relax in the private, tree-lined backyard backing to city-owned open space with no direct neighbors behind. A detached two-car garage completes the property. Conveniently located just minutes from downtown Elgin, Metra, I-90, shopping, dining, parks, and everyday conveniences, this move-in ready home delivers the character buyers love with the space and versatility they rarely find.
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Property details

Interior

Appliances
Range, Dishwasher, Refrigerator, Washer, Dryer, Disposal, Stainless Steel Appliance(s), Range Hood, ENERGY STAR Qualified Appliances, Front Controls on Range/Cooktop, Gas Cooktop, Electric Oven
Interior features
1st Floor Bedroom, Built-in Features, Walk-In Closet(s), Separate Dining Room
Flooring
Hardwood
Basement
Partially Finished, Exterior Entry, Concrete, Rec/Family Area, Storage Space, Full
Laundry
Gas Dryer Hookup, Electric Dryer Hookup, In Unit, Sink
Additional rooms
Sitting Room, Recreation Room, Family Room, Game Room, Storage
Total rooms
11

Building & exterior

Style
American 4-Sq.
Age
100+ Years
Exterior
Frame, Wood Siding, Combination
Exterior features
Balcony, Lighting
Roof
Asphalt
Foundation
Block, Concrete Perimeter
Windows
Screens
Patio & porch
Deck, Patio, Porch
Exposure
South

Parking

Garage spaces
2
Total spaces
2
Parking details
Asphalt, Garage Door Opener, Yes, Garage Owned, Detached, Garage

Lot & location

Lot dimensions
86X132
Lot description
Wooded, Mature Trees
Township
Elgin
County
Kane

Utilities

Heating
Natural Gas, Forced Air
Cooling
Central Air, Partial, Wall Unit(s), Zoned, Electric
Water
Lake Michigan, Public, Lake Water
Sewer
Public Sewer
Electricity
Circuit Breakers
Equipment
CO Detectors, Ceiling Fan(s), Water Heater-Gas

HOA & community

Assessment includes
None
Community features
Curbs, Sidewalks, Street Lights, Street Paved

Schools

Elementary
Mckinley Elementary School (46)
Junior high
Larsen Middle School (46)
High school
Elgin High School (46)

Taxes & terms

Annual taxes
$6,639 (2025)
Parcel number (PIN)
0612381018
PIN
0612381018
Ownership
Fee Simple
Possession
Closing
Special conditions
None
Listed
7/18/2026

Rooms

RoomSizeLevelFlooring
Sitting Room15X12Main
Recreation Room23X15Basement
Family Room - Down20X12Basement
Game Room15X14Basement
Storage10X5Basement
Bedroom 215X13SecondHardwood
Bedroom 315X10MainHardwood
Bedroom 4N/A
Dining Room15X12MainHardwood
Family Room12X10MainHardwood
Kitchen13X12MainLaminate
LaundryN/A
Living Room29X16MainHardwood
Master Bedroom17X15SecondHardwood

What would this home cost per month?

Using this listing's actual tax bill (2025) — adjust anything.

Rates move daily — edit to today's quote. Under 20% down adds PMI automatically.

Estimated monthly payment
$0
Principal & interest
Property taxes
Insurance
PMI (under 20% down)
HOA / assessments

Estimates only — not a loan offer or quote; your rate, insurance and PMI depend on your credit and lender. Run other scenarios on the full mortgage calculator, or ask us to connect you with lenders our clients actually close with.

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