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649 N Spring Street, Elgin, IL 60120.
Beautifully maintained and thoughtfully updated, this charming brick home offers 3 bedrooms, 2 baths, and approximately 2,544 total finished square feet, including the finished portion of the basement. Hardwood floors, arched openings, custom built ins, and a stone gas fireplace showcase its classic craftsmanship. The main level includes two bedrooms, including a primary with dual closets, a full bath, and a bright kitchen with abundant cabinetry and pantry storage. The heated four season room features a wood plank ceiling and plenty of natural light, with a rear sliding door opening to a covered brick paver patio. A separate fenced green space provides room for gardening, recreation, or pets. Upstairs, a generous loft/flex area leads to the third bedroom and offers attic storage on both sides. The partially finished basement adds a recreation room, bar area, full bathroom, and ample unfinished storage. Recent improvements include a new roof, gutters, and downspouts in 2024, upgraded PEX plumbing, a newer water heater, and a new A/C condenser and motor. The heated and insulated garage adds year round convenience. Located near schools, outdoor recreation, and everyday amenities, this inviting home offers lasting character and flexible spaces ready to be enjoyed.
MLS ID: 12706768
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649 N Spring Street, Elgin, IL 60120.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $359,900 | $359,900 | $359,900 |
| Down Payment | $71,980 | $12,597 | $89,975 |
| Monthly Mortgage Amount | $1,796 | $2,176 | $2,241 |
| Taxes | $501 | $501 | $501 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $158 | $0 |
| Monthly Estimated Total | $2,402 | $2,940 | $2,847 |
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