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530 Cumberland Trl, Elgin, IL, 60123

4beds
3baths
2,589sqft
$549,000
$212price/sqft
$4,217/moest. monthly cost
$168,680/yrincome needed

About This Home

This home is perfect! It is truly a meticulously rehabbed home designed with the highest craftsmanship! And, it is nearly brand new! Wait until you see it. Walk into an inviting open concept floor plan dressed with warm wall colors, dotted with recessed lighting and adorned with real hardwood flooring featuring a satin finish and a water-based stain. Then. Watch as natural crisp sunlight pours in from all directions, and warms up your home, and your heart. Unwind in your living room, and gaze out the front window: and daydream; or, enjoy those festive holiday parties with family and friends in your dining room, which is dressed with a contemporary, linear chandelier that further adds character to the space. The living room and dining room then opens up into another world: a stunning kitchen, a first floor powder room tucked away in the right spot, a masterful family room and a heartwarming sun room. The kitchen is beautiful. It is is accentuated with 42" white oak, shaker style, soft close kitchen cabinets, brushed gold handles and fixtures, under cabinet lighting, a tastefully curated calacatta laza quartz countertop chased up to the backsplash and, of course, high-end Bosch appliances to match the vibe. Continue that lively conversation with family and friends on your kitchen peninsula or easily add a table and chairs in the area between the kitchen and the family room, and peek out into your sprawling yard and watch over the little ones run amok. It gets even more amazing! The family room is accentuated with real cedar wood ceiling beams that add a perfect touch to an already stunning place. Turn on your gas wood burning fireplace, kick your feet up on the ottoman, cuddle up with your favorite people and watch your favorite show. It makes for memorable moments. But wait. There is also more. The sunroom is pretty spectacular. It is light and bright and airy, and it is filled with: natural sunlight. This space is versatile in its uses from an additional family room to a play room to a green room to an office. And there is still more. Let us head upstairs! There are four bedrooms on the second floor. Each bedroom is spacious with ample closet space; each bedroom is decorated with the same trim from the first floor all the way up to the second floor along with shaker style closet doors and then decked out with black hardware. There is a full bathroom on the second floor; this designer bathroom stuns with its double vanity sink laid with a quartz countertop, a mirror outlined in black trim, black hardware fixture accents, linear LED lighting and immaculately set ceramic tiles; there is also a modern soaking tub in this space, which further adds to the functionality of this home. Then, the primary bedroom: it is very spacious, serene and it features a primary closet and a primary bathroom. This space is your private sanctuary. The primary bathroom is alluring with its modern designed double vanity adorned with a calacatta laza quartz countertop, cathedral-like mirrors, brushed gold accents, oval lighting and a powerful stand-up shower with its textured tiles, brushed gold fixtures and a modern linear drain. This space is at the intersection of modern and classy. And, there is still - more! The finished basement is equally impressive. It features ample space for yet another family room along with a wet bar area featuring undermount shelf lighting and a beverage center! There is also a bonus room and a large utility room with a side-by-side washer-and-dryer. There is really nothing to do here except, yep, you're right, move in! This home is within walking distance to Powder River Park, Eagle Park and minutes way from Creekside Elementary School, Home Depot, the 90, Highway 20, shopping, restaurants and so much more! Easy to show. It is a 10!

Getting Around

16
WalkingCar-Dependent
28
TransitSome Transit
37
BikeSomewhat Bikeable

Schools

6/10
3/10
Kimball Middle SchoolGrades 7-80.7 mi
3/10
Larkin High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Aluminum Siding,Brick

Notable Dates

  • Major remodel year: 2026

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator,High End Refrigerator,Washer,Dryer,Stainless Steel Appliance(s),Wine Refrigerator,Range Hood,Gas Oven,Humidifier
  • Laundry features: Gas Dryer Hookup,In Unit,Common Area

Bar Entertainment

  • Features: Flooring (Ceramic Tile),Window Treatments (All)
  • Level: Basement
  • Area: 72
  • Dimensions: 12X6

Basement

  • Has basement: Yes
  • Basement: Finished,Egress Window,Full

Bedroom2

  • Features: Flooring (Hardwood),Window Treatments (All)
  • Level: Second
  • Area: 99
  • Dimensions: 11X9

Bedroom3

  • Features: Flooring (Hardwood),Window Treatments (All)
  • Level: Second
  • Area: 121
  • Dimensions: 11X11

Bedroom4

  • Features: Flooring (Hardwood),Window Treatments (All)
  • Level: Second
  • Area: 108
  • Dimensions: 12X9

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Bonus Room

  • Features: Flooring (Ceramic Tile),Window Treatments (All)
  • Level: Basement
  • Area: 110
  • Dimensions: 11X10

Dining Room

  • Features: Flooring (Hardwood),Window Treatments (All)
  • Level: Main
  • Area: 260
  • Dimensions: 20X13

Eating Area

  • Features: Flooring (Hardwood),Window Treatments (All)
  • Level: Main
  • Area: 120
  • Dimensions: 12X10

Family Room

  • Features: Flooring (Hardwood),Window Treatments (All)
  • Level: Main
  • Area: 299
  • Dimensions: 23X13

Features

  • Wet Bar,Walk-In Closet(s),Beamed Ceilings,Open Floorplan,Separate Dining Room,Quartz Counters
  • Window features: Screens
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Gas Starter,Masonry,Family Room
  • Fireplace: Yes
  • Attic: Unfinished

Foyer

  • Features: Flooring (Hardwood),Window Treatments (All)
  • Level: Main
  • Area: 72
  • Dimensions: 12X6

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,589 sqft

Kitchen

  • Features: Kitchen (Eating Area-Breakfast Bar,Eating Area-Table Space,Custom Cabinetry,SolidSurfaceCounter,Updated Kitchen),Flooring (Hardwood),Window Treatments (All)
  • Level: Main
  • Area: 120
  • Dimensions: 12X10

Laundry

  • Features: Flooring (Other),Window Treatments (All)
  • Level: Basement
  • Area: 25
  • Dimensions: 5X5

Living Room

  • Features: Flooring (Hardwood),Window Treatments (All)
  • Level: Main
  • Area: 143
  • Dimensions: 13X11

Master Bedroom

  • Features: Flooring (Hardwood),Window Treatments (All),Bathroom (Full,Shower Only)
  • Level: Second
  • Area: 210
  • Dimensions: 15X14

Other

  • Features: Flooring (Ceramic Tile),Window Treatments (All)
  • Level: Basement
  • Area: 240
  • Dimensions: 20X12

Other

  • Features: Flooring (Other),Window Treatments (All)
  • Level: Basement
  • Area: 96
  • Dimensions: 12X8

Sun Room

  • Features: Flooring (Ceramic Tile),Window Treatments (All)
  • Level: Main
  • Area: 440
  • Dimensions: 20X22

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0609478014
  • Special condition: None

Features

  • Stories: 2
  • Fencing: Wood

Lot

  • Lot size: 7,801 sqft
  • Features: Sloped
  • Lot size dimensions: 80 x 110

Parking

  • Total spaces: 6.5
  • Parking features: Concrete,Garage Door Opener,Yes,Garage Owned,Attached,Driveway,Other,Garage
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5
  • 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 WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding

FEMA Declared Disasters Across Illinois Counties

Flood

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 $2,776$33,312
Home Insurance *$245$2,940
Property Taxes $997$11,964
Electricity $199$2,389
Total$4,217$50,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$144,582/yr
40% on housing$126,510/yr
45% on housing$112,453/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: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$212This listing

vs Other Active Listings

Avg $/sqft

ZIP 60123$139
Kane County$212

vs Homes Sold Last Month

Median $/sqft

ZIP 60123$209
Kane County$207

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
2026-05-14Price change$650,000
2026-04-20Listed for sale$675,000
2026-04-20Listing removed$675,000
2026-04-14Price change$675,000
2026-03-28Listed for sale$695,000

For Sale by Agent

AgentPeter Drossos
BrokeragePeter Drossos Real Estate

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