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409 Hubbard Avenue , Elgin, IL 60123.
Beautifully maintained and full of character, this spacious 4-bedroom home near Wing Park offers the perfect blend of charm, functionality, and entertaining space. The inviting main level features hardwood flooring, a large living room, formal dining area, and an oversized eat-in kitchen designed for gathering, complete with a massive island, abundant cabinetry, breakfast bar seating, built-in sink with glass washer, and plenty of prep space. Convenient first-floor primary bedroom and full bath provide flexible living options. Upstairs offers three additional bedrooms ideal for family, guests, home office, or hobby space. The finished basement expands the living area with a warm and rustic feel featuring custom built-ins, shelving, bench seating, a stunning wood bar, wood-burning stove, and half bath-perfect for entertaining year-round. Detached 2-car garage, concrete driveway, and private backyard complete the package. Ideally located close to parks, schools, shopping, dining, and downtown Elgin amenities. A truly unique home with space, charm, and versatility throughout! Recent updates include: HVAC 2026, New Toilets 2025, Washer and Dryer 2025, water filtration in kitchen 2025. Roof is estimate 10-15 years old.
MLS ID: 12651529
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409 Hubbard Avenue , Elgin, IL 60123.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $399,900 | $399,900 | $399,900 |
| Down Payment | $79,980 | $13,997 | $99,975 |
| Monthly Mortgage Amount | $1,996 | $2,418 | $2,491 |
| Taxes | $557 | $557 | $557 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $176 | $0 |
| Monthly Estimated Total | $2,670 | $3,268 | $3,165 |
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