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Description
Step into a piece of Elgin history and into this beautifully maintained 4-bedroom, 1.5-bath home blends timeless character with thoughtful modern updates making it the perfect opportunity for buyers who want charm AND peace of mind. Major improvements completed in the last 5-7 years include a lined chimney, fully remodeled upstairs bathroom, radon mitigation system, rehung dining room and kitchen windows, copper feed line replacements, and updated appliances including a dishwasher (2024) and refrigerator (2025). Classic architectural details throughout give this home a warmth and personality that newer construction simply can't replicate while the updates mean you can move in with confidence. Spacious 4-bedroom layout offers flexibility for families, home offices, or guests and the home's character-rich spaces invite you to make them your own. Located in Elgin's sought-after Rugby Place neighborhood. Don't miss your chance to own a home that has stood the test of time and is ready for its next chapter.
Property Highlights
Property Type: Residential - Single Family
Total Living Area SF: 1,660
Built in 1904
School District: District 46
General Information
Bedrooms: 4
Bathrooms: 2
Sqft: 1,660
County: Kane
Listed By:
Epic Real Estate Group
847-922-5501
MRED MLS
MLS ID: 12623188
Room Information
Foyer: 12X11
Bedroom 2: 10X12
Bedroom 3: 12X11
Bedroom 4: 10X8
Dining Room: 14X13
Kitchen: 11X12
Living Room: 16X13
Primary Bedroom: 12X13
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12 Rugby Place , Elgin, IL 60120.
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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $290,000 | $290,000 | $290,000 |
| Down Payment | $58,000 | $10,150 | $72,500 |
| Monthly Mortgage Amount | $1,354 | $1,707 | $1,763 |
| Taxes | $404 | $404 | $404 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $128 | $0 |
| Monthly Estimated Total | $1,858 | $2,339 | $2,267 |
Disclaimer:
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 04/19/2026. The listing information on this page last changed on 04/19/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Sun 04/19/2026 12:00:53 AM EST) or MRED MLS (last updated Sat 04/18/2026 11:57:50 PM EST) or SCWMLS (last updated Sat 04/18/2026 11:54:49 PM EST) or Rockford Board of Realtors (NWIAR) (last updated Sat 04/18/2026 10:15:21 PM EST) or Cedar Rapids MLS (last updated Sat 04/18/2026 10:44:13 PM EST) or NEIRBR MLS (last updated Sat 04/18/2026 11:58:41 PM EST) or ICAAR MLS (last updated Sat 04/18/2026 11:37:25 PM EST) or ECIMLS (last updated Sat 04/18/2026 11:44:13 PM EST) or RMLSA (last updated Sat 04/18/2026 11:50:56 PM EST) or Muscatine MLS (last updated Sat 04/18/2026 11:45:24 PM EST) or No Coast MLS (last updated Sat 04/18/2026 11:54:19 PM EST). Real estate listings held by brokerage firms other than Ruhl&Ruhl Realtors may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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