Seller's Agent in 2025
Elizabeth Oine
Compass
(847) 293-9634
1 in this area
67 Total Sales
653 Downing St Elburn, IL 60119
4
Beds
2.5
Baths
2,739
Sq Ft
0.26
Acres
Highlights
- Community Lake
- Recreation Room
- Traditional Architecture
- Property is near park
- Vaulted Ceiling
- Wood Flooring
About This Home
As of October 2025Welcome to 653 Downing Street in highly sought-after Elburn! A charming front porch sets the tone as you step into a warm and inviting entryway that opens to spacious living and dining rooms-ideal for entertaining or everyday living. The expansive kitchen is a chef's dream, featuring an island, 42" white cabinets, hardwood floors, stainless-steel appliances, and an eating area with sliding glass doors that lead to the backyard. It flows seamlessly into the cozy family room with a gas fireplace, creating the perfect gathering space. Convenience abounds with a first-floor laundry room offering plenty of storage and direct access to the backyard. Upstairs, a vaulted-ceiling loft provides flexibility for a home office, playroom, or lounge. The master suite includes a generous bedroom, large bathroom with double sinks, soaking tub, separate shower, and a walk-in closet. Three additional spacious bedrooms with ample closets share a full bath. The finished basement expands your living space with a recreation room, bonus room, and a large storage area with crawl space. Outside, enjoy a fully fenced yard complete with a brick paver patio, firepit, and pergola-perfect for outdoor entertaining. With no neighbors directly next to you and open views of multi-acre green space, you'll appreciate both privacy and a true sense of openness. Offering over 2,700 sq. ft. of living space, this home beautifully combines comfort, style, and functionality.
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $10,748
Year Built
- Built in 1999
Lot Details
- 0.26 Acre Lot
- Lot Dimensions are 70x144x103x128
- Fenced
- Paved or Partially Paved Lot
Parking
- 2 Car Garage
- Driveway
Home Design
- Traditional Architecture
- Asphalt Roof
- Radon Mitigation System
- Concrete Perimeter Foundation
Interior Spaces
- 2,739 Sq Ft Home
- 2-Story Property
- Vaulted Ceiling
- Ceiling Fan
- Skylights
- Gas Log Fireplace
- Family Room with Fireplace
- Living Room
- Formal Dining Room
- Recreation Room
- Loft
- Bonus Room
- Carbon Monoxide Detectors
Kitchen
- Breakfast Bar
- Range
- Microwave
- Dishwasher
- Stainless Steel Appliances
- Disposal
Flooring
- Wood
- Carpet
Bedrooms and Bathrooms
- 4 Bedrooms
- 4 Potential Bedrooms
- Dual Sinks
- Whirlpool Bathtub
- Separate Shower
Laundry
- Laundry Room
- Dryer
- Washer
Basement
- Basement Fills Entire Space Under The House
- Sump Pump
Outdoor Features
- Patio
- Fire Pit
- Porch
Location
- Property is near park
Schools
- John Stewart Elementary School
- Harter Middle School
- Kaneland High School
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
- 200+ Amp Service
- Water Softener is Owned
Community Details
- Community Lake
Listing and Financial Details
- Homeowner Tax Exemptions
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Oct 6, 2025
Closed on
Oct 22, 2025
Sold by
Cluchey Matthew J and Cluchey Kameron N
Bought by
Ritchey Connor R and Dalby Macie L
Seller's Agent
Elizabeth Oine
Compass
Buyer's Agent
Michelle Lawler
GC Realty and Development
Sold Price
$408,000
Views
11
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-6.68%
Original Mortgage
$326,400
Outstanding Balance
$326,400
Interest Rate
6.34%
Mortgage Type
New Conventional
Estimated Equity
$76,558
Purchase Details
Listed on
Mar 8, 2018
Closed on
Apr 27, 2018
Sold by
Siegert Frederick W and Siegert Gayle K
Bought by
Cluchey Matthew J and Cluchey Kameron N
Seller's Agent
Alex Rullo
RE/MAX All Pro - St Charles
Buyer's Agent
Elizabeth Oine
Compass
List Price
$278,888
Sold Price
$278,000
Premium/Discount to List
-$888
-0.32%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.24%
Original Mortgage
$254,578
Interest Rate
4.75%
Mortgage Type
FHA
Purchase Details
Closed on
Aug 24, 2004
Sold by
Williams Richard K and Williams Carole D
Bought by
Siegert Frederick W and Siegert Gayle K
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$319,000
Interest Rate
6.08%
Mortgage Type
Balloon
Purchase Details
Closed on
Apr 16, 1999
Sold by
Old Oak Homes Inc
Bought by
Williams Richard and Williams Carole
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$210,650
Interest Rate
6.25%
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 | $408,000 | Land Title | |
| Warranty Deed | $278,000 | Fidelity National Title | |
| Warranty Deed | $355,000 | Ticor Title Insurance Compan | |
| Warranty Deed | $222,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $326,400 | New Conventional | |
| Previous Owner | $254,578 | FHA | |
| Previous Owner | $319,000 | Balloon | |
| Previous Owner | $210,650 | No Value Available |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 10/29/2025 10/29/25 | Sold | $408,000 | +2.0% | $149 / Sq Ft | |
| 10/06/2025 10/06/25 | Pending | -- | -- | -- | |
| 10/06/2025 10/06/25 | Price Changed | $400,000 | +43.9% | $146 / Sq Ft | |
| 04/27/2018 04/27/18 | Sold | $278,000 | -0.3% | $101 / Sq Ft | View Prior Sale |
| 03/11/2018 03/11/18 | Pending | -- | -- | -- | |
| 03/08/2018 03/08/18 | For Sale | $278,888 | -- | $102 / 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 |
|---|---|---|---|---|
| 2024 | $10,748 | $130,447 | $20,651 | $109,796 |
| 2023 | $10,472 | $116,627 | $18,463 | $98,164 |
| 2022 | $10,088 | $106,266 | $16,823 | $89,443 |
| 2021 | $9,679 | $100,336 | $15,884 | $84,452 |
| 2020 | $9,606 | $98,892 | $15,655 | $83,237 |
| 2019 | $9,600 | $97,440 | $15,425 | $82,015 |
| 2018 | $9,218 | $97,440 | $15,425 | $82,015 |
| 2017 | $9,158 | $96,010 | $15,199 | $80,811 |
| 2016 | $10,056 | $101,830 | $14,815 | $87,015 |
| 2015 | -- | $99,018 | $14,406 | $84,612 |
| 2014 | -- | $100,536 | $14,627 | $85,909 |
| 2013 | -- | $102,222 | $14,872 | $87,350 |
Source: Public Records
Agents Affiliated with this Home
-
Elizabeth Oine
-
Michael Oine
M
Seller Co-Listing Agent in 2025
Michael Oine
Compass
(224) 699-9499
1 in this area
13 Total Sales
-
Michelle Lawler
Buyer's Agent in 2025
Michelle Lawler
GC Realty and Development
(630) 404-2646
1 in this area
22 Total Sales
-
Alex Rullo
Seller's Agent in 2018
Alex Rullo
RE/MAX
(630) 330-7570
11 in this area
338 Total Sales
Map
Source: Midwest Real Estate Data (MRED)
MLS Number: 12485606
APN: 08-32-380-004
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