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557 Willard Ave, Elgin, IL, 60120

3beds
1baths
1,200sqft
$339,900
$283price/sqft
$2,519/moest. monthly cost
$100,760/yrincome needed

About This Home

Wow!! Take a look at this freshly renovated ranch home conveniently located near Parks and schools. This darling home offers the perfect blend of modern updates and comfortable one-level living. Updated flooring, paint, lighting fixtures, and a stylishly remodeled kitchen with contemporary cabintery, countertops, and new appliances. All new laundry room and appliances. The renovated bathroom provides a fresh, modern touch. Just off of the dining room is a spacious 3-season sunroom with pot bellied stove, overlooking the deck and backyard, with lots of room for entertaining, gardening or just relaxing. The roof was replaced in 2024, water heater in 2021,and furnace and a/c in 2021. This updated ranch is ready for you to move in and make it your own!

Getting Around

62
WalkingSomewhat Walkable
27
TransitSome Transit
35
BikeSomewhat Bikeable

Schools

5/10
Huff Elementary SchoolGrades PK-60.3 mi
4/10
Ellis Middle SchoolGrades 7-80.7 mi
2/10
Elgin High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1959

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Vinyl Siding,Frame

Notable Dates

  • Major remodel year: 2026

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Disposal,Gas Water Heater
  • Laundry features: In Unit

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 110
  • Dimensions: 11X10

Bedroom3

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 110
  • Dimensions: 11X10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 100
  • Dimensions: 10X10

Features

  • Window features: Screens
  • Flooring: Laminate

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,200 sqft

Kitchen

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 120
  • Dimensions: 12X10

Laundry

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 72
  • Dimensions: 9X8

Living Room

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 266
  • Dimensions: 19X14

Master Bedroom

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 150
  • Dimensions: 15X10

Sun Room

  • Level: Main
  • Area: 192
  • Dimensions: 16X12

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 06191150210000
  • Special condition: None
  • Other equipment: Ceiling Fan(s),Sump Pump

Features

  • Stories: 1
  • Patio & porch: Deck

Lot

  • Lot size dimensions: 33 x 132 x 98 x 147

Parking

  • Total spaces: 1
  • Parking features: Asphalt,Yes,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Inland Flooding
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Heat Wave
    Heat WaveRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado
Heat Wave
Hail
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 $1,718$20,616
Home Insurance *$181$2,172
Property Taxes $490$5,880
Electricity $130$1,569
Total$2,519$30,228
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,365/yr
40% on housing$75,570/yr
45% on housing$67,173/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

$283This listing

vs Other Active Listings

Avg $/sqft

ZIP 60120$178
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
2025-09-15Sold$210,000
2025-08-26Contingent$229,000
2025-08-20Listed for sale$229,000
2025-08-13Contingent$229,000
2025-08-01Listed for sale$229,000

For Sale by Agent

AgentMarsha Wallace
BrokerageFox Valley Real Estate

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