$449,900

386 E Chicago Street, Elgin, IL 60120

Active
5 beds 0 baths Built 1900 Residential Income MLS #MRD12751974 1 days on market
Listing courtesy of RE/MAX Horizon · 847-931-7500 · ron@foxvalleyhomesales.com · MLS #MRD12751974 · Status: Active
Now is your opportunity to own one of Elgin's finest historic homes! Located just blocks from downtown Elgin, this grand residence offers timeless character, generous living space and exceptional flexibility for modern living. This is not your typical duplex-it is a distinguished historic home with a separate upper-level apartment, making it an excellent opportunity for a primary residence with space for multigenerational living, guests or rental income. Set on a deep, level lot with mature trees, this beautiful home welcomes you with a huge covered front porch, perfect for relaxing on summer evenings. Step inside to a grand foyer/parlor showcasing beautiful custom millwork, a large separate living room with crown and oversized moldings, and a formal dining room with exposed wood beams and a butler's swinging door leading to the updated kitchen. The kitchen features oak cabinetry, extra recessed lighting and wood laminate flooring. A back covered, enclosed porch with separate heating and air conditioning and vaulted ceilings provides a wonderful space for summer gatherings. The main residence offers a huge primary bedroom with a private fireplace and walk-in closet, graciously sized secondary bedrooms and a rare back-to-back arrangement of two full bathrooms-one with a whirlpool tub and the other with a walk-in shower. The full finished basement adds even more living and hobby space, including a recreation room, den, workshop area and additional laundry. The separate upper-level apartment is a tremendous bonus and a key part of this property's versatility. Currently rented for $925 per month, it features a spacious living room with a cozy gas-log fireplace, vaulted ceilings and a French door leading to a private balcony. A separate dining area with built-in hutch, updated kitchen with oak cabinetry and tile flooring, spacious bedroom with secondary exit for added safety and in-unit laundry make this a comfortable and functional living space. Whether used for family members, extended-stay guests, or a tenant, this apartment offers flexibility rarely found in a traditional single-family home. The main home is loaded with charm and character, while the unique detached 21/2-car garage with attached heated office provides an excellent space for an in-home business, studio, or work area. All of this is situated just blocks from downtown Elgin, with its beautiful library, recreation center, Hemmens Auditorium and much more. Nothing else even close on the market like this! Tremendous space, historic character and flexibility for the value. A truly special opportunity to own a grand historic home that can adapt to the way you live-whether that means enjoying it as your primary residence, sharing it with family, welcoming guests or taking advantage of rental income from the separate apartment. This is an estate sale being sold as is!
🎥 Virtual tour →

Property details

Interior

Basement
Finished, Full
Total rooms
16

Building & exterior

Age
100+ Years
Exterior
Cedar

Parking

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

Lot & location

Lot dimensions
55x262
Township
Elgin
County
Kane

Utilities

Heating
Natural Gas, Forced Air
Water
Public
Sewer
Public Sewer

Schools

Elementary
(46)
Junior high
(46)
High school
(46)

Taxes & terms

Annual taxes
$6,263 (2025)
Parcel number (PIN)
0613182018
PIN
0613182018
Ownership
Fee Simple
Possession
Closing
Special conditions
None
Listed
9/4/2026

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.

Recently sold nearby

AddressBeds / BathsSoldPrice
408 E Chicago Street 6 bd / 0 ba May 2026 $515,000
131 N Gifford Street 4 bd / 0 ba Jun 2026 $310,000
442 DU PAGE Street 5 bd / 2 ba Sep 2025 $410,000
371 North Street 4 bd / 2.5 ba May 2026 $349,000

Sold data courtesy of MRED as distributed by MLS GRID; properties may be listed or sold by various participants in the MLS.

Similar homes nearby

$419,000
4 bd · 3.5 ba · 2,714 sqft
176 S Channing Street, Elgin, IL 60120
$360,000
6 bd · 3 ba · 3,402 sqft
217 Michigan Street, Elgin, IL 60120
$379,800
2 bd · 2.5 ba · 2,400 sqft
157 Festival Court, Elgin, IL 60120
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 2026-09-04 22:59:03. 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.

Any use or search of data on this website, other than by a consumer looking to purchase real estate, is prohibited. © 2026 MRED. See our DMCA notice.

Call now Text Josh
Text Josh