431 Bowen Ct, Elgin, IL, 60120
About This Home
Welcome to this classic Tudor home, ideally located in one of Elgin's historic districts, where timeless character meets modern elegance. Mature trees and a long, freshly paved driveway greet you as you arrive. Inside, a bright and inviting interior showcases finishes thoughtfully selected to enhance the home's architectural charm. The kitchen features custom Slim White Oak cabinetry with warm accent lighting, quartz countertops, a full-height quartz backsplash, stainless steel appliances, and designer finishes that balance style and function. Natural light fills the open living areas, anchored by a striking fireplace with a custom accent wall. Waterproof laminate flooring flows throughout, complemented by two updated bathrooms with sleek tilework, modern fixtures, and illuminated LED mirrors. Spacious bedrooms and a versatile main-floor flex room suit a home office, sitting room, playroom, or studio. The fully finished basement adds even more living space, while a new furnace, central A/C, and water heater offer peace of mind. A detached one-car garage completes the home. Minutes from Downtown Elgin, enjoy local restaurants, cafes, breweries, boutique shopping, the Fox River, and convenient Metra access. A rare opportunity to own a home where historic charm and today's best finishes come together. Schedule your private showing today!
Getting Around
Very Walkable
Some Transit
BikeableSchools
Construction
Materials
- Construction materials: Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Tudor
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Finished,Full
Bedroom2
- Level: Second
- Area: 132
- Dimensions: 12X11
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Family Room
- Level: Main
- Area: 165
- Dimensions: 11X15
Heating & Cooling
- Heating features: Natural Gas,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 0
- Total interior livable area: 1,032 sqft
Kitchen
- Level: Main
- Area: 110
- Dimensions: 11X10
Living Room
- Level: Main
- Area: 121
- Dimensions: 11X11
Master Bedroom
- Level: Second
- Area: 143
- Dimensions: 11X13
Recreation Room
- Level: Main
- Area: 90
- Dimensions: 9X10
Property
Accessibility
- Accessibility features: No Disability Access
Details
- Parcel number: 0624205007
- Special condition: None
Features
- Stories: 1
Lot
- Lot size dimensions: 53X84X54X73
Parking
- Total spaces: 1
- Parking features: Yes,Detached,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
- Tornado
- Heat Wave
- Inland Flooding
- Lightning
- Strong Wind
- 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 | $1,658 | $19,896 |
| Home Insurance * | $174 | $2,088 |
| Property Taxes | $595 | $7,140 |
| Electricity | $130 | $1,569 |
| Total | $2,557 | $30,684 |
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 |
|---|---|---|
| 2026-08-10 | Contingent | $327,900 |
| 2026-08-03 | Listed for sale | $327,900 |
| 2026-03-31 | Sold | $105,000 |
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