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523 Lowell Dr, South Elgin, IL, 60177

2beds
2baths
1,220sqft
$290,000
$238price/sqft
$2,233/moest. monthly cost
$89,320/yrincome needed

About This Home

Well-maintained 2-bedroom end-unit townhome in the desirable Sandhurst community, featuring a practical layout and inviting living spaces. The kitchen includes stainless steel appliances, with all major appliances recently replaced. The spacious primary bedroom offers vaulted ceilings, private bath access, a dressing area, and generous closet space. A fully finished basement provides additional flexibility for a family room, office, or workout area, along with a laundry space featuring a newer washer and dryer. Includes a 1-car attached garage with direct access and a convenient location close to everyday amenities. This property is sold as-is

Getting Around

57
WalkingSomewhat Walkable
0
TransitVery Limited Transit
67
BikeBikeable

Schools

7/10
7/10
4/10
South Elgin High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1994

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse,Single Family Residence

Interior

Appliances

  • Laundry features: In Unit

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom2

  • Level: Second
  • Area: 143
  • Dimensions: 13X11

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 100
  • Dimensions: 10X10

Family Room

  • Level: Lower
  • Area: 441
  • Dimensions: 21X21

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 610

Heating & Cooling

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

Interior Area

  • Total structure area: 2,440
  • Total interior livable area: 1,220 sqft

Kitchen

  • Level: Main
  • Area: 108
  • Dimensions: 12X9

Laundry

  • Level: Lower
  • Area: 77
  • Dimensions: 11X7

Living Room

  • Level: Main
  • Area: 208
  • Dimensions: 16X13

Master Bedroom

  • Level: Second
  • Area: 280
  • Dimensions: 20X14

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0634104055
  • Special condition: None

Lot

  • Lot size: 1,220 sqft

Parking

  • Total spaces: 2
  • Parking features: Yes,Attached,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
    Cold WaveVery High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
Lightning

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 $1,466$17,592
Home Insurance *$111$1,332
Property Taxes $526$6,312
Electricity $130$1,569
Total$2,233$26,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,560/yr
40% on housing$66,990/yr
45% on housing$59,546/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

$238This listing

vs Other Active Listings

Avg $/sqft

ZIP 60177$201
Kane County$213

vs Homes Sold Last Month

Median $/sqft

ZIP 60177$218
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
2026-07-15Listed for sale$290,000
2017-05-31Sold$156,000
2007-04-03Sold$184,000
2003-02-18Sold$160,000

For Sale by Agent

AgentBianca Johnson
BrokerageUnited Real Estate - Chicago

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