$245,000

278 S MELROSE Avenue, Elgin, IL 60123

Active Under Contract

2 beds 1 baths 834 sqft (assessor) Built 1940 Residential MLS #MRD12720511 22 days on market

Listing courtesy of Keller Williams Inspire - Geneva · 630-262-9500 · carriegarstecki@etopsuccess.com · MLS #MRD12720511 · Status: Active Under Contract

Charming, well-built, and full of character! This adorable 2-bedroom, 1-bath home is tucked away in a desirable Elgin location and offers the perfect blend of comfort, functionality, and opportunity. The interior was completely remodeled down to the studs when purchased in 2010, creating a practical layout with inviting living spaces and a home that has been well cared for over the years. Recent updates include central air (2021), along with a newer refrigerator, dishwasher, and garbage disposal. Outside, you'll love the private backyard-ideal for relaxing, entertaining, or enjoying a quiet evening-as well as the oversized 2-car garage with plenty of room for vehicles, hobbies, and additional storage. The basement provides valuable storage space and added functionality. This property offers a wonderful opportunity for its next owner to personalize a few finishing touches while enjoying the peace of mind that comes with a solid home. Conveniently located near parks, schools, shopping, dining, and commuter routes.

Property details

Interior

Appliances: Range, Dishwasher, Refrigerator, Washer, Dryer, Disposal
Interior features: 1st Floor Bedroom, 1st Floor Full Bath
Basement: Unfinished, Full
Laundry: Main Level
Additional rooms: Bonus Room
Total rooms: 5

Building & exterior

Style: Ranch
Age: 81-90 Years
Exterior: Aluminum Siding
Roof: Asphalt
Foundation: Concrete Perimeter
Exposure: East

Parking

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

Lot & location

Lot dimensions: 50X132
Lot description: Mature Trees
Township: Elgin
County: Kane

Utilities

Heating: Natural Gas, Forced Air
Cooling: None
Water: Public
Sewer: Public Sewer
Electricity: Circuit Breakers

HOA & community

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

Schools

Elementary: Harriet Gifford Elementary Schoo (46)
Junior high: Abbott Middle School (46)
High school: Larkin High School (46)

Taxes & terms

Annual taxes: $4,429 (2025)
Parcel number (PIN): 0622207020
PIN: 0622207020
Ownership: Fee Simple
Possession: Closing
Special conditions: None
Listed: 7/30/2026

Rooms

Room	Size	Level	Flooring
Bonus Room	9X8	Main
Bedroom 2	11X09	Main	Carpet
Bedroom 3		N/A
Bedroom 4		N/A
Dining Room		N/A
Family Room		N/A
Kitchen	14X10	Main	Vinyl
Laundry		N/A
Living Room	14X12	Main	Carpet
Master Bedroom	13X11	Main	Carpet

What would this home cost per month?

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

Price

Down payment %

Rate %

Term (years)

Taxes ($/yr)

Insurance ($/mo)

HOA ($/mo)

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

Estimated monthly payment

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.

Similar homes nearby

$305,000

2 bd · 1 ba · 960 sqft

260 S Aldine Street, Elgin, IL 60123

$289,900

2 bd · 2 ba · 1,000 sqft

987 South Street, Elgin, IL 60123

$300,000

3 bd · 1 ba · 1,256 sqft

474 Sunset Drive, Elgin, IL 60123

Want to see this home?

The Dawn Simmons Team (RE/MAX Suburban) can show you any listed property and give you a straight answer on what it's really worth. Call/text Josh at (224) 628-4013.

Ask About This Home →

Listings courtesy of MRED as distributed by MLS GRID. MLS GRID

Based on information submitted to the MLS GRID as of 2026-08-26 02:23:03. 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. Properties displayed may be listed or sold by various participants in the MLS.

IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by MLS GRID. Use of this site's search and display of listing data is subject to our Terms of Use. Some listings have been excluded from this website.