649 N Spring St, Elgin, IL, 60120
About This Home
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.
Getting Around
Somewhat Walkable
Some Transit
BikeableSchools
Construction
Condition
- Year built: 1955
Materials
- Foundation: Concrete Perimeter
- Roof: Asphalt
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Bungalow
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Disposal,Electric Cooktop,Electric Oven
- Laundry features: Gas Dryer Hookup,Electric Dryer Hookup,Laundry Chute,Sink
Basement
- Has basement: Yes
- Basement: Partially Finished,Full
Bedroom2
- Features: Flooring (Hardwood)
- Level: Main
- Area: 99
- Dimensions: 11X9
Bedroom3
- Features: Flooring (Carpet)
- Level: Second
- Area: 195
- Dimensions: 15X13
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: Main
- Area: 90
- Dimensions: 9X10
Features
- Dry Bar,1st Floor Bedroom,1st Floor Full Bath,Built-in Features,Bookcases,Dining Combo,Pantry
- Door features: Storm Door(s)
- Flooring: Hardwood,Carpet
- Number of fireplaces: 1
- Fireplace features: Gas Log,Living Room
- Fireplace: Yes
- Finished area below ground: 587
Heating & Cooling
- Heating features: Natural Gas,Forced Air,Sep Heating Systems - 2+
- Cooling features: Central Air,Window Unit(s)
Interior Area
- Total structure area: 3,082
- Total interior livable area: 1,957 sqft
Kitchen
- Features: Kitchen (Eating Area-Table Space,Pantry-Closet),Flooring (Laminate)
- Level: Main
- Area: 130
- Dimensions: 10X13
Living Room
- Features: Flooring (Hardwood)
- Level: Main
- Area: 405
- Dimensions: 27X15
Master Bedroom
- Features: Flooring (Hardwood)
- Level: Main
- Area: 180
- Dimensions: 15X12
Property
Accessibility
- Accessibility features: No Disability Access
Details
- Parcel number: 0612304001
- Special condition: Standard
Features
- Stories: 1
- Patio & porch: Porch,Patio
- Exterior features: Outdoor Grill,Breezeway
Lot
- Lot size: 6,969 sqft
- Lot size dimensions: 54x132
Parking
- Total spaces: 2
- Parking features: Concrete,Garage Door Opener,Heated Garage,Yes,Garage Owned,Attached,Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- 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
- Tornado
- Heat Wave
- Inland Flooding
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,819 | $21,828 |
| Home Insurance * | $191 | $2,292 |
| Property Taxes | $653 | $7,836 |
| Electricity | $150 | $1,806 |
| Total | $2,813 | $33,756 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-06 | Price change | $349,900 |
| 2026-07-23 | Listed for sale | $359,900 |
| 2021-05-14 | Sold | $257,000 |
| 2019-04-15 | Listing removed | $1,600 |
| 2019-04-11 | Listed for rent | $1,600 |
| 2014-04-08 | Listing removed | $1,549 |
| 2014-03-20 | Price change | $1,549 |
| 2014-02-22 | Listed for rent | $1,595 |
| 2013-03-28 | Sold | $151,500 |
| 2013-01-11 | Price change | $159,900 |
| 2012-10-22 | Listed for sale | $154,000 |
| 2003-12-18 | Sold | $189,500 |
| 1997-09-10 | Sold | $88,333 |
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