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 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.
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $4,549
Year Built
- Built in 1882 | Remodeled in 2021
Parking
- 2 Car Garage
- Parking Included in Price
Home Design
- Victorian Architecture
- Block Foundation
- Asphalt Roof
Interior Spaces
- 1,586 Sq Ft Home
- 2-Story Property
- Built-In Features
- Historic or Period Millwork
- Coffered Ceiling
- Window Treatments
- Family Room
- Living Room
- Formal Dining Room
- Bonus Room
- 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
- 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%
Total Days on Market
7
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
-52.65%
Original Mortgage
$243,920
Outstanding Balance
$243,705
Interest Rate
6.62%
Mortgage Type
New Conventional
Estimated Equity
$52,213
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
Stand Alone Refi Refinance Of Original Loan
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%
Map
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
Similar Homes in Elgin, IL
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 | Stand Alone Refi Refinance Of Original Loan | |
| 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
| 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
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.
Based on information submitted to the MLS GRID. 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.
The Digital Millennium Copyright Act of 1998, 17 U.S.C. § 512 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked.
Notices must be sent in writing by email to DMCAnotice@MLSGrid.com.
The DMCA requires that your notice of alleged copyright infringement include the following information:
(1) description of the copyrighted work that is the subject of claimed infringement;
(2) description of the alleged infringing content and information sufficient to permit us to locate the content;
(3) contact information for you, including your address, telephone number and email address;
(4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law;
(5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and
(6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner’s behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.
Nearby Homes
- 132 N Channing St
- 137 N Channing St
- 141 N Gifford St
- 120 Hilton Place
- 453 Addison St
- 359 Park St
- 552 E Chicago St
- 356 Franklin Blvd
- 600 E Chicago St
- 212 Dundee Ave
- 442 Hickory Place
- 475 Laurel St
- 216 Prairie St
- 292 Villa St
- Lot 305 Wyrenwood Cir
- 665 Addison St
- 209 Ann St
- 179 S Grove Ave
- 187 S Grove Ave
- 50 S Grove Ave Unit 510