432 Division St Elgin, IL 60120
Gifford Park Neighborhood
2
Beds
2
Baths
1,586
Sq Ft
5,793
Sq Ft Lot
Highlights
- Deck
- Victorian Architecture
- Formal Dining Room
- Wood Flooring
- Bonus Room
- Stainless Steel Appliances
About This Home
As of April 2025Quaint and updated inside, this gem, in the middle of the Elgin Historic District is a beauty! Walk thru the iron gates to enter a house full of natural light. A recent interior renovation includes the updating of all rooms. New floors or carpet throughout. Newer double-pane windows and insulated blinds are part of each room. What a spacious and gorgeous kitchen, with an island and a separate eating area. The laundry room is located on the first floor, off the kitchen. A full bath, a large separate dining room, and a very big front room make this house ideal for entertaining. The intricate ironwork of the stair balustrade was the handiwork of a previous owner. Upstairs there are two sizeable bedrooms, a full bath, and a storage room. The new HVAC, plumbing, and electric were all part of the recent renovation. As part of the Elgin Historic District, this house is eligible for both city grants and GPA (neighborhood group) grants for exterior improvements. Don't wait, cause this house will be very popular
Last Agent to Sell the Property
Real People Realty License #475169028 Listed on: 07/15/2023
Last Buyer's Agent
@properties Christie's International Real Estate License #475130336
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $4,294
Year Built
- Built in 1882 | Remodeled in 2021
Parking
- 2 Car Detached Garage
- Garage Transmitter
- 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
- Ceiling height of 9 feet or more
- Blinds
- Six Panel Doors
- 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
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Mar 5, 2025
Closed on
Apr 7, 2025
Sold by
Clark Ryan and Garcia Susana
Bought by
Hernandez Jocelyn and Bajric Sendin
Seller's Agent
James Hard
Century 21 Circle
Buyer's Agent
Tony Stoychev
Keller Williams Realty Ptnr,LL
List Price
$299,900
Sold Price
$304,900
Premium/Discount to List
$5,000
1.67%
Views
34
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-18.07%
Original Mortgage
$243,920
Outstanding Balance
$243,705
Interest Rate
6.62%
Mortgage Type
New Conventional
Estimated Equity
$52,212
Purchase Details
Listed on
Jul 15, 2023
Closed on
Sep 1, 2023
Sold by
Stanton Brian J and Stanton Diane M
Bought by
Clark Ryan and Garcia Susana
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
4%
Mortgage Type
VA
Purchase Details
Listed on
Nov 6, 2013
Closed on
Dec 30, 2013
Sold by
Huang Jin
Bought by
Stanton Brian J and Stanton Diane M
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
Williams Jennifer L
Bought by
Huang Jin
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
Williams Jennifer L and Williams Robert R
Bought by
Williams Jennifer L
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
Williams Jennifer L
Bought by
Williams Jennifer L and Williams Robert R
Purchase Details
Closed on
Apr 30, 2002
Sold by
Coon Selwyn Rork and Coon Angela S
Bought by
Williams Jennifer L
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
Rasmussen Laura A
Bought by
Coon Selwyn Rork and Coon Angela S
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
Union National Bank & Trust Co Of Elgin
Bought by
Rasmussen Laura A
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%
Similar Homes in Elgin, IL
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $305,000 | First American Title | |
| Warranty Deed | $292,000 | None Listed On Document | |
| Warranty Deed | $145,000 | Chicago Title Insurance Co | |
| Warranty Deed | $80,000 | Chicago Title Insurance Comp | |
| Interfamily Deed Transfer | -- | Multiple | |
| Interfamily Deed Transfer | -- | First American Title Ins Co | |
| Warranty Deed | $150,000 | Chicago Title Insurance Co | |
| Warranty Deed | $119,500 | -- | |
| Trustee Deed | $75,500 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $243,920 | New Conventional | |
| Previous Owner | $292,000 | VA | |
| Previous Owner | $35,000 | Credit Line Revolving | |
| Previous Owner | $160,000 | New Conventional | |
| Previous Owner | $147,682 | FHA | |
| Previous Owner | $115,900 | No Value Available | |
| Previous Owner | $75,000 | No Value Available |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 Compared to Growth
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 |
|---|---|---|---|---|
| 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
Seller's Agent in 2025
James Hard
Century 21 Circle
(630) 369-2000
1 in this area
87 Total Sales
-
Tony Stoychev
Buyer's Agent in 2025
Tony Stoychev
Keller Williams Realty Ptnr,LL
(847) 797-4800
1 in this area
92 Total Sales
-
Paul Bednar
Seller's Agent in 2023
Paul Bednar
Real People Realty
(847) 987-7526
17 in this area
61 Total Sales
-
Alison France
Buyer's Agent in 2023
Alison France
@ Properties
(630) 742-4918
1 in this area
124 Total Sales
-
Ray Watson
Seller's Agent in 2013
Ray Watson
RE/MAX
(847) 254-2254
1 in this area
207 Total Sales
-
Eva Turnquist
Seller's Agent in 2013
Eva Turnquist
HOMES BY ...LLC
(630) 848-7653
23 Total Sales
Map
Source: Midwest Real Estate Data (MRED)
MLS Number: 11830809
APN: 06-13-181-008
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