642 Wellington Ave, Elgin, IL, 60120
About This Home
A rare Fox River opportunity offering breathtaking water views, direct Riverwalk access, and a location within one of Elgin's most established and historic neighborhoods. BRAND NEW Furnace and Air conditioning installed July 2026. Surrounded by the rich heritage that helped shape the city, this home is located near the historiical National Watch Company Observatory and just moments from Downtown Elgin's parks, trails, restaurants, and cultural attractions. Perched above the Fox River, this charming 2-bedroom, 1-bath home captures remarkable panoramic water views from both the interior living spaces and the expansive deck. The primary bedroom features direct access to the shared bath, while the second bedroom offers a convenient Murphy bed and an oversized wall-length closet, maximizing both functionality and flexibility. The main level welcomes you with a formal living room where large windows frame stunning river views, creating a peaceful setting for everyday living and entertaining alike. Character-rich details throughout reflect the home's early 1900s origins, blending historic charm with comfortable living. The walkout lower level features a cozy family room, kitchen with a built-in breakfast nook, mechanical room, and a separate exterior entrance that provides easy access to the backyard, Riverwalk, and waterfront. Whether you're searching for a full-time residence, weekend getaway, investment property, or short-term rental opportunity, this home offers exceptional versatility in a truly special riverfront setting. This rare combination of panoramic river views, direct waterfront access, walkability to Downtown Elgin, and long-term ownership seldom come to market. Don't miss this opportunity to own a unique piece of Fox River living.
Getting Around
Car-Dependent
Some Transit
BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Foundation: Concrete Perimeter,Stone
- Roof: Asphalt
- Construction materials: Aluminum Siding
Notable Dates
- Major remodel year: 1999
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range,Microwave,Refrigerator,Washer,Humidifier,Gas Water Heater
Basement
- Has basement: Yes
- Basement: Finished,Walk-Out Access
Bedroom2
- Features: Flooring (Carpet),Window Treatments (Window Treatments)
- Level: Main
- Area: 104
- Dimensions: 8X13
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Deck
- Features: Flooring (Other)
- Level: Main
- Area: 230
- Dimensions: 23X10
Family Room
- Features: Flooring (Vinyl),Window Treatments (Aluminum Frames)
- Level: Basement
- Area: 128
- Dimensions: 8X16
Features
- 1st Floor Bedroom,1st Floor Full Bath
- Door features: Sliding Doors,Storm Door(s)
- Window features: Window Treatments,Wood Frames
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 0
Kitchen
- Features: Kitchen (Eating Area-Breakfast Bar),Flooring (Vinyl),Window Treatments (Window Treatments,Wood Frames)
- Level: Basement
- Area: 176
- Dimensions: 11X16
Laundry
- Features: Flooring (Other)
- Level: Basement
- Area: 195
- Dimensions: 15X13
Living Room
- Features: Flooring (Carpet)
- Level: Main
- Area: 204
- Dimensions: 12X17
Master Bedroom
- Features: Flooring (Carpet),Window Treatments (Shades,Window Treatments,Wood Frames)
- Level: Main
- Area: 140
- Dimensions: 10X14
Mud Room
- Features: Flooring (Carpet)
- Level: Main
- Area: 48
- Dimensions: 8X6
Property
Accessibility
- Accessibility features: No Disability Access
Details
- Parcel number: 0624177022
- Special condition: None
- Other equipment: Ceiling Fan(s),Sump Pump
Features
- Patio & porch: Patio
- Exterior features: Balcony,Breezeway
- Has view: Yes
- View description: Back of Property
- Has water view: Yes
- Water view: Back of Property
- On waterfront: Yes
- Waterfront features: River Front
- Waterbody name: FOX RIVER
Lot
- Lot size: 9,000 sqft
- Lot size dimensions: 60x150
Parking
- Total spaces: 1
- Parking features: Concrete,Garage Door Opener,Yes,Garage Owned,Detached,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
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 | $1,820 | $21,840 |
| Home Insurance * | $191 | $2,292 |
| Property Taxes | $654 | $7,848 |
| Electricity | $130 | $1,569 |
| Total | $2,795 | $33,540 |
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 |
|---|---|---|
| 2026-07-16 | Listed for sale | $360,000 |
View on Zillow