Contact us: 563.441.1776
Description
Affordable Downtown Living with Commercial Opportunity! Located in the heart of Kirkland's downtown business district, this unique property offers the opportunity to combine affordable living with a commercial venture. The second floor features a two-bedroom apartment, providing an excellent housing option for a first-time home buyer, someone looking for an affordable alternative to today's rental market, or an owner who wants to live close to the amenities of downtown. The first floor is designated for commercial use, offering an opportunity for a business owner, entrepreneur, investor, or service provider to establish a business in the community while having convenient living quarters just upstairs. Whether you're looking to launch a small business, relocate an existing operation, or simply take advantage of an affordable way to own property in downtown Kirkland, this property offers flexibility and potential that is hard to find.
Property Highlights
Property Type: Multi Unit - Multiple
General Information
Bedrooms: 3
Bathrooms: 2
County: DeKalb
Listed By:
Elm Street REALTORS
815-895-2789
MRED MLS
MLS ID: 12694583
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515 Main Street, Kirkland, IL 60146.
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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $147,500 | $147,500 | $147,500 |
| Down Payment | $29,500 | $5,163 | $36,875 |
| Monthly Mortgage Amount | $746 | $915 | $926 |
| Taxes | $205 | $205 | $205 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $65 | $0 |
| Monthly Estimated Total | $1,051 | $1,285 | $1,231 |
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 09/12/2026. The listing information on this page last changed on 09/12/2026. 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 Sat 09/12/2026 12:01:12 AM EST) or MRED MLS (last updated Fri 09/11/2026 11:58:10 PM EST) or SCWMLS (last updated Fri 09/11/2026 11:55:20 PM EST) or Rockford Board of Realtors (NWIAR) (last updated Fri 09/11/2026 10:16:31 PM EST) or Cedar Rapids MLS (last updated Fri 09/11/2026 10:45:01 PM EST) or NEIRBR MLS (last updated Fri 09/11/2026 11:58:43 PM EST) or ICAAR MLS (last updated Fri 09/11/2026 11:37:34 PM EST) or ECIMLS (last updated Fri 09/11/2026 11:44:34 PM EST) or RMLSA (last updated Fri 09/11/2026 11:50:57 PM EST) or Muscatine MLS (last updated Sat 09/12/2026 12:00:10 AM EST) or No Coast MLS (last updated Fri 09/11/2026 11:54:25 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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Member Participants (and their affiliated licensees, if applicable) shall indicate on their websites that IDX information is provided exclusively for consumers’ personal non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, that the data is deemed reliable but is not guaranteed by MLS GRID, and that the use of the MLS GRID Data may be subject to an end user license agreement prescribed by the Member Participant’s applicable MLS if any and as amended from time to time. MLS GRID may, at its discretion, require use of other disclaimers as necessary to protect Member Participant, and/or their MLS from liability.
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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