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650 Waverly Dr APT B, Elgin, IL, 60120

1beds
1baths
1,083sqft
$225,000
$208price/sqft
$1,710/moest. monthly cost
$68,400/yrincome needed

About This Home

Amazing location in Waverly Commons, this ranch end unit is tucked in the back of a quiet cul-de-sac and faces green space and single fam homes. Wonderful flowing floor plan-great for entertaining. Owner has lovingly maintained and updated this ranch with hardwood floors, ceramic tile in kit, bath and laundry, a new 5 ft bathfitter shower (12/25) with grab bars and a seat. Eat-in kitchen features solid oak cabinets with tons of counter space, a desk plus a full pantry, all of which overlooks the covered deck and back yard thru the sliders. Dining room is conveniently located off the kit and the open living room which also has wall-to-wall sliders stepping out to the deck, garden and yard. Huge sunny master bedroom is to die for! There's a large walk-in closet plus two other 5 ft closets in the master-storage galore. Don't miss the oversized linen closet just outside the bath plus a 6 ft long closet right off the roomy foyer. HVAC just 5 yrs old with an Aprilaire humidifier! Big laundry room with extra cabinets above. 2-3 blocks from grocery stores, workout center, restaurants, banks and charming downtown Elgin is just 5 min away by car. This unique building (not all have it in Waverly) features walk-in extra storage on 2nd floor above the garage-13x8 feet! Another handy outdoor 8 ft closet for summer items right off the deck. And the extra long garage is 27 whopping feet-plenty of room in front of your car for guess what, more storage! Parking spot in front of garage as well as convenient guest spots in the center of the cul-de-sac. Indoor mailboxes in entryway vestibule-no standing in the weather to get your mail. Owner is currently having most interior walls painted neutral light gray and is offering $600 credit towards closet doors. Still time to pick a neutral color if buyer wants a white or beige tone.

Getting Around

68
WalkingSomewhat Walkable
25
TransitSome Transit
51
BikeBikeable

Schools

6/10
Lincoln Elementary SchoolGrades PK-60.7 mi
3/10
Larsen Middle SchoolGrades 7-81.0 mi
2/10
Elgin High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Brick,Cedar

Other

  • Builder model: Lower Level Ranch

Type & Style

  • Home type: Condo
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Front Controls on Range/Cooktop
  • Laundry features: Main Level,In Unit

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 72
  • Dimensions: 8X9

Features

  • 1st Floor Bedroom,1st Floor Full Bath,Storage
  • Door features: Sliding Doors
  • Window features: Screens,Blinds,Double Pane Windows
  • Flooring: Hardwood
  • Common walls with other units/homes: End Unit

Foyer

  • Features: Flooring (Ceramic Tile)
  • Level: Main
  • Area: 30
  • Dimensions: 6X5

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,083
  • Total interior livable area: 1,083 sqft

Kitchen

  • Features: Kitchen (Eating Area-Table Space,Pantry-Closet),Flooring (Ceramic Tile),Window Treatments (Blinds,Double Pane Windows)
  • Level: Main
  • Area: 221
  • Dimensions: 17X13

Laundry

  • Features: Flooring (Ceramic Tile)
  • Level: Main
  • Area: 60
  • Dimensions: 10X6

Living Room

  • Features: Flooring (Hardwood),Window Treatments (Blinds)
  • Level: Main
  • Area: 221
  • Dimensions: 17X13

Master Bedroom

  • Features: Flooring (Hardwood),Window Treatments (Blinds,Double Pane Windows)
  • Level: Main
  • Area: 255
  • Dimensions: 17X15

Walk In Closet

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 36
  • Dimensions: 6X6

Property

Accessibility

  • Accessibility features: Bath Grab Bars,Disability Access

Details

  • Parcel number: 06073130451042
  • Special condition: None
  • Other equipment: Intercom

Features

  • Patio & porch: Deck

Lot

  • Features: Cul-De-Sac,Landscaped

Parking

  • Total spaces: 5
  • Parking features: Concrete,Garage Door Opener,Yes,Garage Owned,Attached,Guest,Owned,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Tornado
    TornadoVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Heat Wave
Inland Flooding
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters Across Illinois Counties

Flood
Other
Severe Storm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,137$13,644
Home Insurance *$119$1,428
Property Taxes $324$3,888
Electricity $130$1,569
Total$1,710$20,520
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,628/yr
40% on housing$51,300/yr
45% on housing$45,600/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.1%
15.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 60120$180
Cook County$225

vs Homes Sold Last Month

Median $/sqft

ZIP 60120$207
Cook County$219

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2003-05-15Sold$112,500
1999-10-05Sold$84,000

For Sale by Agent

AgentErin Davis, ABR,CRS,SRES
BrokerageExclusive Real Estate

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