$450,000
SOLD MAY 4, 2026
4 Beds
3 Baths
1,800 Sq Ft
0.36 Acres Lot

Sale Details

Date Sold: May 4, 2026

$250 Per Sq Ft

2 on Market

Highlights

  • Recreation Room
  • Sun or Florida Room
  • Home Gym
  • Main Floor Bedroom
  • Cottage
  • Formal Dining Room

About This Home

As of May 2026

Welcome to 1031 North Spring Street in Elgin, a classic cottage-style home set on a beautiful double lot with outstanding curb appeal. This charming all-brick home is truly in move-in condition, offering timeless character, spacious living areas, and numerous recent improvements. Step inside to a cozy living room, with hardwood flooring under the carpet, featuring a large picture window that fills the space with natural light and a beautiful stone fireplace that creates a warm focal point. The spacious kitchen offers abundant cabinetry, Corian countertops, new appliances, and a large new picture window. Within the kitchen area is a bright dinette space, highlighted by another picture window overlooking the stone patio and expansive backyard, making it a wonderful spot for everyday dining. The main level includes two bedrooms and a recently remodeled full bathroom. A bright sunroom adds even more charm with exposed brick, tongue-and-groove knotty pine walls, and sliding glass doors leading to the stone patio, creating the perfect place to relax or entertain while enjoying views of the yard. Upstairs you will find two very large bedrooms connected by a convenient Jack-and-Jill bathroom, offering comfortable space and privacy for family or guests. The finished basement provides additional living space with a recreation room, a flex room that could serve as another bedroom or home office, a full bathroom, and abundant storage, including built-in cabinets, a separate storage room, and a large, light-filled laundry room. Outside, the backyard is truly exceptional, offering plenty of room to relax, entertain, garden, or for kids to play. The stone patio creates a wonderful outdoor gathering area within the expansive yard. The property also features an oversized all-brick detached garage, providing excellent storage and parking. This home has been thoughtfully maintained and extensively improved with numerous updates, including: 2025: New concrete driveway, walkways, and stoops; two picture windows replaced; all windows serviced with new handles, clasps, and locks; backyard clothesline installed; new Bosch dishwasher installed; garage door facing replaced; trees removed and landscaping improved; interior doors sanded and made operational; two pocket doors restored and made operational; new custom window shades from Budget Blinds; kitchen repainted; gas fireplace cleaned and serviced; front porch railing restored and painted. 2024: New furnace, ducting, and humidifier; new gutters, downspouts, and leaf filter system; electrical updates inside and outside, including exterior spotlight; radon mitigation system installed; ADT security system installed; new LED lighting and ceiling fans installed, fluorescent lighting replaced, and dimmers and GFI outlets added inside and outside; plumbing repairs including laundry faucet, main bathroom faucet, and handheld shower sprayers; new smoke and CO2 detectors installed; dryer vent professionally cleaned. Ideally located just minutes from the Metra train station, downtown Elgin restaurants, the community recreation center with indoor pool, the Hemmens Cultural Center theatre, parks, shopping, and entertainment, with easy access to I-90 for convenient commuting. A rare opportunity to own a charming cottage home on a beautiful double lot with extensive updates, classic character, and an outstanding location.

Last Agent to Sell the Property

Ruta Baran

@properties Christie's International Real Estate License #475128472 Listed on: 03/20/2026

@properties Christie's International Real Estate

Last Buyer's Agent

Jacquelyn Theisen

@properties Christie's International Real Estate License #475184277

@properties Christie's International Real Estate

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $7,964

Year Built

  • Built in 1948

Lot Details

  • 15,682 Sq Ft Lot
  • Lot Dimensions are 100x159x98x159
  • Paved or Partially Paved Lot

Parking

  • 2 Car Detached Garage
  • Parking Available
  • Garage Door Opener
  • Driveway
  • Parking Included in Price

Home Design

  • Cottage
  • Brick Exterior Construction
  • Asphalt Roof

Interior Spaces

  • 1,800 Sq Ft Home
  • 1.5-Story Property
  • Ceiling Fan
  • Gas Log Fireplace
  • Family Room
  • Living Room with Fireplace
  • Formal Dining Room
  • Recreation Room
  • Bonus Room
  • Sun or Florida Room
  • Home Gym
  • Storm Doors

Kitchen

  • Range
  • Microwave
  • Bosch Dishwasher
  • Dishwasher
  • Stainless Steel Appliances
  • Disposal

Flooring

  • Carpet
  • Ceramic Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • 4 Potential Bedrooms
  • Main Floor Bedroom
  • Bathroom on Main Level
  • 3 Full Bathrooms

Laundry

  • Laundry Room
  • Dryer
  • Washer
  • Laundry Chute

Finished Basement

  • Basement Fills Entire Space Under The House
  • Finished Basement Bathroom

Outdoor Features

  • Patio

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Uses Natural Gas

Listing and Financial Details

  • Homeowner Tax Exemptions

Home Details

Home Type

Single Family

Est. Annual Taxes

$7,964

Year Built

Built in 1948

Lot Details

0.36 Acres

Parking

2

Listing Details

  • Property Type: Residential
  • Property Type: Detached Single
  • Type Detached: 1.5 Story
  • Ownership: Fee Simple
  • ArchitecturalStyle: Cottage
  • New Construction: No
  • Property Sub-Type: 1.5 Story
  • Year Built: 1948
  • Age: 71-80 Years
  • Built Before 1978 (Y/N): Yes
  • Disability Access and/or Equipped: No
  • General Information: School Bus Service
  • Rebuilt (Y/N): No
  • Rehab (Y/N): No
  • Actual Status: Closed
  • SomePhotosVirtuallyStaged: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Range, Microwave, Dishwasher, Refrigerator, Washer, Dryer, Disposal, Stainless Steel Appliance(s)
  • Basement: Finished, Full
  • Full Bathrooms: 3
  • Total Bathrooms: 3
  • Total Bedrooms: 4
  • Door Features: Storm Door(s)
  • Fireplace Features: Gas Log, Gas Starter
  • Fireplaces: 1
  • Interior Amenities: 1st Floor Bedroom, 1st Floor Full Bath
  • LivingArea: 1800
  • Other Equipment: Ceiling Fan(s)
  • Room Type: Bonus Room, Exercise Room, Recreation Room, Sun Room
  • Estimated Total Finished Sq Ft: 0
  • Basement Bathrooms: Yes
  • Below Grade Bedrooms: 0
  • Dining Room: Separate
  • Fireplace Location: Living Room
  • Total Sq Ft: 1207
  • Flooring: Carpet

Exterior Features

  • Construction Materials: Brick
  • Patio And Porch Features: Patio
  • Roof: Asphalt
  • Waterfront: No

Garage/Parking

  • Garage Spaces: 2
  • Parking Features: Concrete, Garage Door Opener, Yes, Garage Owned, Detached, Garage
  • ParkingTotal: 2

Utilities

  • Sewer: Public Sewer
  • Cooling: Central Air
  • Electric: Circuit Breakers
  • Heating: Natural Gas, Forced Air
  • Laundry Features: In Unit, Laundry Chute, Laundry Closet
  • Water Source: Public

Condo/Co-op/Association

  • Association Fee Frequency: Not Applicable
  • Community Features: Sidewalks, Street Lights, Street Paved
  • Master Association Fee Frequency: Not Required

Fee Information

  • Association Fee Includes: None

Lot Info

  • Lot Size Acres: 0.36
  • Lot Dimensions: 100X159X98X159
  • Lot Size: .25-.49 Acre
  • Special Assessments: N

Rental Info

  • Board Number: 10
  • Is Parking Included in Price: Yes

Tax Info

  • Tax Annual Amount: 7964
  • Tax Year: 2024
  • Tax Exemptions: Homeowner

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Mar 20, 2026
Closed on
Apr 29, 2026
Sold by
Cooper Susan and Susan M Cooper Revocable Living Trust
Bought by
Fiacchino Anthony
Seller's Agent
Ruta Baran
@properties Christie's International Real Estate
Buyer's Agent
Jacquelyn Theisen
@properties Christie's International Real Estate
List Price
$450,000
Sold Price
$450,000
Views
56

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-27.12%

Purchase Details

Listed on
Oct 30, 2023
Closed on
Mar 5, 2024
Sold by
Scott Palmer Trust
Bought by
Susan M Cooper Revocable Living Trust and Cooper
Seller's Agent
Bob Wisdom
RE/MAX Horizon
Buyer's Agent
Ruta Baran
@properties Christie's International Real Estate
List Price
$369,900
Sold Price
$372,000
Premium/Discount to List
$2,100
0.57%
Views
114

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
9.21%
Original Mortgage
$297,600
Interest Rate
6.13%
Mortgage Type
New Conventional

Purchase Details

Closed on
Feb 9, 2019
Sold by
Palmer Scott
Bought by
Palmer Scott

Purchase Details

Closed on
Jul 12, 2018
Sold by
Palmer Jeanette
Bought by
Palmer Scott

Purchase Details

Closed on
Aug 1, 1994
Sold by
St Pauls United Church Of Christ Of Elgi
Bought by
Palmer Scott and Palmer Jeanette

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$126,000
Interest Rate
8.25%
Source: Public Records
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Warranty Deed $450,000 None Listed On Document
Deed $372,000 Chicago Title
Interfamily Deed Transfer -- Attorney
Interfamily Deed Transfer -- Attorney
Warranty Deed -- Attorneys National Title
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Previous Owner $297,600 New Conventional
Previous Owner $126,000 No Value Available
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
05/04/2026 05/04/26 Sold $450,000 0.0% $250 / Sq Ft
03/22/2026 03/22/26 Pending -- -- --
03/20/2026 03/20/26 For Sale $450,000 +21.0% $250 / Sq Ft
03/07/2024 03/07/24 Sold $372,000 +0.6% $207 / Sq Ft View Prior Sale
02/01/2024 02/01/24 Pending -- -- --
01/30/2024 01/30/24 For Sale $369,900 0.0% $206 / Sq Ft
11/10/2023 11/10/23 Pending -- -- --
10/30/2023 10/30/23 For Sale $369,900 -- $206 / Sq Ft
Source: Midwest Real Estate Data (MRED)

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $7,964 $107,515 $22,939 $84,576
2023 $7,598 $97,132 $20,724 $76,408
2022 $7,160 $88,568 $18,897 $69,671
2021 $6,852 $82,804 $17,667 $65,137
2020 $6,662 $79,049 $16,866 $62,183
2019 $6,472 $75,299 $16,066 $59,233
2018 $6,198 $68,585 $15,135 $53,450
2017 $6,052 $64,837 $14,308 $50,529
2016 $5,775 $60,151 $13,274 $46,877
2015 $5,402 $55,134 $12,167 $42,967
2014 $5,402 $54,454 $12,017 $42,437
2013 $5,402 $55,890 $12,334 $43,556
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Midwest Real Estate Data (MRED)

MLS Number: 12593909

Midwest Real Estate Data (MRED)

APN: 06-12-105-002

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