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971 Demmond St, Elgin, IL, 60123

4beds
3baths
1,323sqft
$373,000
$282price/sqft
$2,859/moest. monthly cost
$114,360/yrincome needed

About This Home

Your New Home is HERE!!! Solidly built brick ranch within blocks of Wing Park. Don't wait while others take steps to make this home their own. Two distinct living areas with 3 bedrooms on the first floor and a bedroom on the lower level. Master bedroom offers double storage for all your items and more. Family can gather around the stone fireplace in the living room making memories that will last a lifetime. What won't fit in the garage, you can store in the shed outside the garage. Wait... why not have a beverage of your choice while relaxing in this beautiful setting on your back patio. Make this home yours today!

Getting Around

41
WalkingCar-Dependent
36
TransitSome Transit
61
BikeBikeable

Schools

3/10
3/10
Kimball Middle SchoolGrades 7-80.4 mi
3/10
Larkin High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1957

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Dishwasher,Refrigerator,Washer,Dryer,Disposal,Cooktop,Range Hood,Gas Cooktop

Basement

  • Has basement: Yes
  • Basement: Finished,Concrete,Full

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 132
  • Dimensions: 12X11

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 110
  • Dimensions: 10X11

Bedroom4

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 196
  • Dimensions: 14X14

Bedrooms & Bathrooms

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

Eating Area

  • Features: Flooring (Vinyl)
  • Level: Main
  • Area: 88
  • Dimensions: 8X11

Family Room

  • Features: Flooring (Carpet)
  • Level: Basement
  • Area: 364
  • Dimensions: 28X13

Features

  • 1st Floor Bedroom,1st Floor Full Bath
  • Door features: Storm Door(s)
  • Window features: Screens
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,323

Foyer

  • Level: Main
  • Area: 52
  • Dimensions: 13X4

Heating & Cooling

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

Interior Area

  • Total structure area: 2,646
  • Total interior livable area: 1,323 sqft

Kitchen

  • Features: Kitchen (Eating Area-Table Space,Pantry-Closet),Flooring (Vinyl)
  • Level: Main
  • Area: 143
  • Dimensions: 11X13

Kitchen2Nd

  • Features: Flooring (Vinyl)
  • Level: Basement
  • Area: 121
  • Dimensions: 11X11

Laundry

  • Features: Flooring (Vinyl)
  • Level: Basement
  • Area: 112
  • Dimensions: 7X16

Living Room

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 294
  • Dimensions: 14X21

Master Bedroom

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 168
  • Dimensions: 14X12

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0610482001
  • Special condition: None
  • Other equipment: TV-Cable,Ceiling Fan(s),Sump Pump

Features

  • Stories: 1
  • Patio & porch: Patio,Porch
  • Fencing: Fenced

Lot

  • Lot size: 7,920 sqft
  • Features: Corner Lot
  • Lot size dimensions: 60x132

Parking

  • Total spaces: 2.5
  • Parking features: Concrete,Yes,Garage Owned,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

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 $1,886$22,632
Home Insurance *$166$1,992
Property Taxes $677$8,124
Electricity $130$1,569
Total$2,859$34,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,022/yr
40% on housing$85,770/yr
45% on housing$76,240/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

$282This 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
2026-04-28Listed for sale$373,000
2020-12-17Sold$249,500
2020-09-24Sold$249,500
2020-08-12Pending sale$249,900
2020-07-27Listed for sale$249,900
2019-02-28Sold$187,500
2018-12-14Pending sale$210,000
2018-12-04Price change$210,000
2018-11-15Price change$215,000
2018-11-05Price change$218,000
2018-10-25Price change$220,000
2018-10-08Listed for sale$225,000
2009-12-21Sold$187,500
2008-10-27Listing removed$239,900
2008-06-11Listed for sale$239,900

For Sale by Agent

AgentFrank Celarek
BrokerageBerkshire Hathaway HomeServices Starck Real Estate

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