Seller's Agent in 2025
James Hard
Century 21 Circle
(630) 369-2000
1 in this area
83 Total Sales
432 Division St Elgin, IL 60120
Gifford Park NeighborhoodEstimated Value: $250,000 - $306,000
2
Beds
2
Baths
1,586
Sq Ft
$180/Sq Ft
Est. Value
Highlights
- Deck
- Victorian Architecture
- High Ceiling
- Wood Flooring
- Bonus Room
- Formal Dining Room
About This Home
As of April 2025Step into a piece of history with this enchanting home, nestled in the heart of the picturesque Elgin Historic District. This charming residence boasts timeless elegance and modern comforts, offering the perfect blend of old-world charm and contemporary living. Completely remodeled over the last few years. You'll find sizeable rooms drenched in sunlight. First and second floor both have full bathrooms. Main level includes a substantial living room, spacious dining room and a gorgeous eat in kitchen with plenty of counter space, large island and an eating area. Convenient first floor laundry. Upstairs are the bedrooms along with an extra added bonus room that is currently used as a playroom for children. The clean and dry unfinished basement is great for storage. Covered porch in the back yard. Two and a half car garage. This home is a must see. You won't be disappointed.
Last Agent to Sell the Property
Century 21 Circle License #475139604 Listed on: 03/05/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $4,549
Year Built
- Built in 1882 | Remodeled in 2021
Lot Details
- 5,793
Parking
- 2 Car Detached Garage
- Garage Door Opener
- Parking Included in Price
Home Design
- Victorian Architecture
- Block Foundation
- Asphalt Roof
- Cedar
Interior Spaces
- 1,586 Sq Ft Home
- 2-Story Property
- Built-In Features
- Historic or Period Millwork
- Coffered Ceiling
- High Ceiling
- Window Treatments
- Family Room
- Living Room
- Formal Dining Room
- Bonus Room
- Unfinished Basement
- Basement Fills Entire Space Under The House
Kitchen
- Range
- Microwave
- Dishwasher
- Stainless Steel Appliances
- Disposal
Flooring
- Wood
- Vinyl
Bedrooms and Bathrooms
- 2 Bedrooms
- 2 Potential Bedrooms
- Bathroom on Main Level
- 2 Full Bathrooms
Laundry
- Laundry Room
- Laundry on main level
- Dryer
- Washer
Schools
- Channing Memorial Elementary Sch
- Elgin High School
Utilities
- Central Air
- Heating System Uses Natural Gas
- 100 Amp Service
Additional Features
- Deck
- Lot Dimensions are 44x132
Ownership 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
Name
Owned For
Owner Type
Purchase Details
Listed on
Mar 5, 2025
Closed on
Apr 7, 2025
Sold by
Bought by
Seller's Agent
James Hard
Century 21 Circle
Buyer's Agent
Tony Stoychev
Keller Williams ONEChicago
List Price
$299,900
Sold Price
$304,900
Premium/Discount to List
$5,000
1.67%
Views
34
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$19,400
Avg. Annual Appreciation
-5.56%
Original Mortgage
$243,920
Outstanding Balance
$241,025
Interest Rate
6.62%
Mortgage Type
New Conventional
Estimated Equity
$44,475
Purchase Details
Listed on
Jul 15, 2023
Closed on
Sep 1, 2023
Sold by
Bought by
Seller's Agent
Paul Bednar
Real People Realty
Buyer's Agent
Alison France
@properties Christie's International Real Estate
List Price
$295,000
Sold Price
$292,000
Premium/Discount to List
-$3,000
-1.02%
Views
71
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
2.67%
Original Mortgage
$292,000
Interest Rate
6.81%
Mortgage Type
VA
Purchase Details
Listed on
Nov 6, 2013
Closed on
Dec 30, 2013
Sold by
Bought by
Seller's Agent
Ray Watson
RE/MAX All Pro
Buyer's Agent
Nick Giliberto
List Price
$165,000
Sold Price
$145,000
Premium/Discount to List
-$20,000
-12.12%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.48%
Purchase Details
Listed on
Feb 12, 2012
Closed on
Jun 6, 2013
Sold by
Bought by
Seller's Agent
Eva Turnquist
HOMES BY ...LLC
Buyer's Agent
Eva Turnquist
HOMES BY ...LLC
List Price
$74,900
Sold Price
$80,000
Premium/Discount to List
$5,100
6.81%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
189.21%
Purchase Details
Closed on
Aug 29, 2007
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$160,000
Interest Rate
6.38%
Mortgage Type
New Conventional
Purchase Details
Closed on
Nov 1, 2005
Sold by
Bought by
Purchase Details
Closed on
Apr 30, 2002
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$147,682
Interest Rate
7.24%
Mortgage Type
FHA
Purchase Details
Closed on
Sep 4, 1998
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$115,900
Interest Rate
7.06%
Purchase Details
Closed on
Jun 21, 1996
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$75,000
Interest Rate
8.27%
Create a Home Valuation Report for This Property
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Home Values in the Area
Average Home Value in this Area
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 | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $305,000 | First American Title | ||
| $292,000 | Chicago Title | ||
| $145,000 | Chicago Title Insurance Co | ||
| $80,000 | Chicago Title Insurance Comp | ||
| -- | Multiple | ||
| -- | First American Title Ins Co | ||
| $150,000 | Chicago Title Insurance Co | ||
| $119,500 | -- | ||
| $75,500 | -- |
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 | Borrower | Loan Amount |
|---|---|---|---|
| Open | $243,920 | ||
| Previous Owner | $292,000 | ||
| Previous Owner | $160,000 | ||
| Previous Owner | $147,682 | ||
| Previous Owner | $115,900 | ||
| Previous Owner | $75,000 |
Source: Public Records
Property 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 | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 04/28/2025 04/28/25 | Sold | $304,900 | +1.7% | $192 / Sq Ft | |
| 03/12/2025 03/12/25 | Pending | -- | -- | -- | |
| 03/10/2025 03/10/25 | Price Changed | $299,900 | 0.0% | $189 / Sq Ft | |
| 03/10/2025 03/10/25 | For Sale | $299,900 | -1.6% | $189 / Sq Ft | |
| 03/07/2025 03/07/25 | Pending | -- | -- | -- | |
| 03/05/2025 03/05/25 | For Sale | $304,900 | +4.4% | $192 / Sq Ft | |
| 09/08/2023 09/08/23 | Sold | $292,000 | -1.0% | $184 / Sq Ft | View Prior Sale |
| 08/12/2023 08/12/23 | Pending | -- | -- | -- | |
| 08/07/2023 08/07/23 | For Sale | $295,000 | 0.0% | $186 / Sq Ft | |
| 07/19/2023 07/19/23 | Pending | -- | -- | -- | |
| 07/15/2023 07/15/23 | For Sale | $295,000 | +103.4% | $186 / Sq Ft | |
| 12/30/2013 12/30/13 | Sold | $145,000 | -12.1% | $88 / Sq Ft | View Prior Sale |
| 12/13/2013 12/13/13 | Pending | -- | -- | -- | |
| 11/06/2013 11/06/13 | For Sale | $165,000 | +106.3% | $100 / Sq Ft | |
| 06/07/2013 06/07/13 | Sold | $80,000 | 0.0% | $49 / Sq Ft | View Prior Sale |
| 05/24/2013 05/24/13 | Pending | -- | -- | -- | |
| 04/15/2013 04/15/13 | Price Changed | $80,000 | +6.8% | $49 / Sq Ft | |
| 04/14/2013 04/14/13 | For Sale | $74,900 | 0.0% | $45 / Sq Ft | |
| 11/06/2012 11/06/12 | Pending | -- | -- | -- | |
| 10/08/2012 10/08/12 | Price Changed | $74,900 | -6.3% | $45 / Sq Ft | |
| 09/16/2012 09/16/12 | Price Changed | $79,900 | -3.7% | $48 / Sq Ft | |
| 08/27/2012 08/27/12 | Price Changed | $83,000 | -5.7% | $50 / Sq Ft | |
| 08/03/2012 08/03/12 | Price Changed | $88,000 | -4.3% | $53 / Sq Ft | |
| 07/06/2012 07/06/12 | Price Changed | $92,000 | -3.2% | $56 / Sq Ft | |
| 05/22/2012 05/22/12 | Price Changed | $95,000 | -9.5% | $58 / Sq Ft | |
| 05/08/2012 05/08/12 | Price Changed | $105,000 | -4.5% | $64 / Sq Ft | |
| 04/29/2012 04/29/12 | Price Changed | $110,000 | -8.3% | $67 / Sq Ft | |
| 04/20/2012 04/20/12 | Price Changed | $120,000 | -4.0% | $73 / Sq Ft | |
| 04/14/2012 04/14/12 | Price Changed | $125,000 | -3.8% | $76 / Sq Ft | |
| 04/03/2012 04/03/12 | Price Changed | $130,000 | -7.1% | $79 / Sq Ft | |
| 03/28/2012 03/28/12 | Price Changed | $140,000 | -3.4% | $85 / Sq Ft | |
| 03/15/2012 03/15/12 | Price Changed | $145,000 | -3.3% | $88 / Sq Ft | |
| 02/12/2012 02/12/12 | For Sale | $150,000 | -- | $91 / Sq Ft |
Source: Midwest Real Estate Data (MRED)
Tax 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.
| 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 | $1,920 | $76,777 | $11,701 | $65,076 |
| 2023 | $4,549 | $69,362 | $10,571 | $58,791 |
| 2022 | $4,530 | $63,246 | $9,639 | $53,607 |
| 2021 | $4,294 | $59,131 | $9,012 | $50,119 |
| 2020 | $3,937 | $54,171 | $8,603 | $45,568 |
| 2019 | $3,792 | $51,601 | $8,195 | $43,406 |
| 2018 | $3,397 | $45,261 | $7,720 | $37,541 |
| 2017 | $3,784 | $42,788 | $7,298 | $35,490 |
| 2016 | $3,594 | $39,696 | $6,771 | $32,925 |
| 2015 | -- | $36,385 | $6,206 | $30,179 |
| 2014 | -- | $35,935 | $6,129 | $29,806 |
| 2013 | -- | $42,282 | $6,291 | $35,991 |
Source: Public Records
Agents Affiliated with this Home
-
James Hard
-
Tony Stoychev
Buyer's Agent in 2025
Tony Stoychev
Keller Williams ONEChicago
(847) 797-4800
1 in this area
73 Total Sales
-
Paul Bednar
Seller's Agent in 2023
Paul Bednar
Real People Realty
(847) 987-7526
19 in this area
64 Total Sales
-
Alison France
Buyer's Agent in 2023
Alison France
@ Properties
(630) 742-4918
1 in this area
104 Total Sales
-
Ray Watson
Seller's Agent in 2013
Ray Watson
RE/MAX
(847) 254-2254
2 in this area
174 Total Sales
-
Eva Turnquist
Seller's Agent in 2013
Eva Turnquist
HOMES BY ...LLC
(630) 848-7653
9 Total Sales
Map
Source: Midwest Real Estate Data (MRED)
MLS Number: 12303805
APN: 06-13-181-008
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
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. Some IDX listings have been excluded from this website.
Listings courtesy of Midwest Real Estate Data (MRED) as distributed by MLS GRID.
Based on information submitted to the MLS GRID
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