490 Division St, Elgin, IL 60120
Property image
Property image
OFF MARKET

490 Division St
Elgin, IL 60120

Gifford Park
  • 4 Beds
  • 2 Baths
  • 1,688 sqft

$285,500

Trulia Estimate
as of Jul 7, 2026
Est. Refi. Payment $1,983/mo*
Refinance Your Home

$285,500

Trulia Estimate
as of Jul 7, 2026
Est. Refi. Payment $1,983/mo*
Refinance Your Home
4 Beds
2 Baths
1,688 sqft

Local Information

  • Map ViewExplore the area around 490 Division St.
  • Schools1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

Description

490 Division Street is known as the spirit of Elgin itself! John Fluck was a well known builder, mason and plasterer for nearly 54 years who constructed this all-brick worker cottage for him and his family. known for his signature stepped brick pattern at the eave line and quality craftsmanship, John's brilliant designs where never mistaken. The most recent refurbishing of the front porch, roof and windows were restored with the help of the city's Historic Rehabilitation Grant program. Upon entering guests are allured by the 9' 6" ceilings and forward thinking of an open concept. From the charming entry to the expansive living room, you can't help but crave for more. The living room is finished with gorgeous leaded glass windows, fireplace and easy access to a formal dining room. The dining room is an exemplary design centrally located in the middle of the home making for a great entertaining space. The dining easily accommodates seating for 6 to 8 guests while open to the all seasons room on one side and an adjacent kitchen on the other side. The kitchen is finished with 36" oak cabinets and new wood laminate floors. The main floor also offers hardwood floors leading to 2 separate bedrooms, 1 spacious bedroom off the front entry and the primary suite with direct access to a shared full bathroom with a shower/tub combination and a single vanity. The second floor is equally impressive with a loft, 2 generous bedrooms and a full bathroom. The bathroom showcases a single shower and vanity. Full unfinished lower level. 1-car detached garage! Private yard! Near shopping and entertainment. SOLD AS-IS
490 Division St, Elgin, IL 60120 is a 4 bedroom, 2 bathroom, 1,688 sqft single-family home in Gifford Park, built in 1892. It last sold for $222,500 on Feb 2, 2024 (7% below the $239,000 asking price). It is currently off market. The Trulia Estimate is $285,500, with a rent estimate of $2,607/month.

Home Highlights

Parking
Garage
Outdoor
No Info
A/C
Heating & Cooling
HOA
None
Price/Sqft
No Info
Listed
180+ days ago

Home Details for 490 Division St

Active Status

MLS Status: Closed

Interior Features

Interior Details
Basement: Unfinished,Cellar,Exterior Entry,Storage Space,FullNumber of Rooms: 9Types of Rooms: Master Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Dining Room, Family Room, Foyer, Heated Sun Room, Kitchen, Laundry, Living Room, Loft
Beds & Baths
Number of Bedrooms: 4Number of Bathrooms: 2Number of Bathrooms (full): 2
Dimensions and Layout
Living Area: 1688 Square Feet
Appliances & Utilities
Appliances: Microwave, DishwasherDishwasherMicrowave
Heating & Cooling
Heating: Natural Gas,Forced AirHas CoolingAir Conditioning: Central AirHas HeatingHeating Fuel: Natural Gas
Fireplace & Spa
Number of Fireplaces: 1Fireplace: Family RoomHas a FireplaceNo Spa
Gas & Electric
Electric: 100 Amp Service
Windows, Doors, Floors & Walls
Window: DrapesDoor: Storm Door(s)Flooring: Hardwood, Wood
Levels, Entrance, & Accessibility
Stories: 2Accessibility: No Disability AccessFloors: Hardwood, Wood
View
No View
Security
Security: Carbon Monoxide Detector(s)

Exterior Features

Exterior Home Features
Roof: Asphalt OtherFencing: PartialOther Structures: Garage(s)Foundation: Brick/Mortar
Parking & Garage
Number of Garage Spaces: 1Number of Covered Spaces: 1Has a GarageNo Attached GarageHas Open ParkingParking Spaces: 1Parking: Concrete,Side Driveway,On Site,Garage Owned,Detached,Garage
Frontage
Not on Waterfront
Water & Sewer
Sewer: Public Sewer

Property Information

Year Built
Year Built: 1892Year Renovated: 2013
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceArchitecture: Cottage
Building
Construction Materials: BrickNot a New ConstructionNo Additional Parcels
Property Information
Parcel Number: 0613253011

Price & Status

Price
List Price: $239,000
Status Change & Dates
Off Market Date: Sat Dec 30 2023Possession Timing: Close Of Escrow

Location

Direction & Address
City: Elgin
School Information
Elementary School: Ronald D O'neal Elementary SchooElementary School District: 46Jr High / Middle School: Ellis Middle SchoolJr High / Middle School District: 46High School: Elgin High SchoolHigh School District: 46

Building

Building Area
Building Area: 1208 Square Feet

Community

Community Features: Curbs, Sidewalks, Street Lights, Street Paved

HOA

HOA Fee Includes: None

Lot Information

Lot Area: 4965.84 sqft

Listing Info

Special Conditions: None

Offer

Listing Terms: Conventional

Business

Business Information
Ownership: Fee Simple

Miscellaneous

BasementMls Number: 11936896

Additional Information

CurbsSidewalksStreet LightsStreet PavedSource Internet Automated Valuation DisplaySource Internet Consumer CommentSource Internet Entire Listing DisplaySource Internet Address DisplayMRD REMARKSINTERNET: Yes
Last check for updates: about 2 hours ago
Listed by Rob Morrison, SFR, (847) 212-0966
Coldwell Banker Realty
Dave Freeman, SFR, (847) 975-1951
Coldwell Banker Realty
Bought with: Adalberto Sanchez-Arias, (224) 232-9419, A&O Dream Key Real Estate
Source: MRED as distributed by MLS GRID, MLS#11936896

Price History for 490 Division St

DatePriceEventSource
02/02/2024$222,500Sold
MRED as distributed by MLS GRID #11936896
01/03/2024$239,000ContingentMRED as distributed by MLS GRID #11936896
11/27/2023$239,000PendingToActiveMRED as distributed by MLS GRID #11936896
10/31/2023$239,000ContingentMRED as distributed by MLS GRID #11893362
10/24/2023$239,000PriceChange
MRED as distributed by MLS GRID #11893362
09/27/2023$249,900Listed For SaleMRED as distributed by MLS GRID #11893362
09/11/2014$143,000Sold
N/A
11/12/2012$23,500Sold
MRED as distributed by MLS GRID #08122091
05/13/2004$154,000Sold
N/A
04/10/2002$104,000Sold
N/A
10/21/1997$56,333Sold
N/A

Market trends in Elgin

Last updated May 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$313K
$11.67KMoM
Sale-to-List Price
99.6%
Price per sq ft
$206
$3MoM
Available listings
234
30MoM
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Property Tax and Assessment

Year2024
Tax$5,392
Assessment$226,113
Home facts updated by county records

Comparable Sales for 490 Division St

Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
489 Division St, Elgin, IL
0.03
Single-Family Home
$365,000
05/26/26
4
1.5
1,824
12 Rugby Pl, Elgin, IL
0.15
Single-Family Home
$305,000
06/01/26
4
1.5
1,660
468 North St, Elgin, IL
0.12
Single-Family Home
$300,000
06/01/26
3
2
1,344
630 Forest Ave, Elgin, IL
0.25
Single-Family Home
$240,000
05/12/26
3
2
1,784
16 N Gifford St, Elgin, IL
0.26
Single-Family Home
$275,000
08/25/25
4
2
2,033
144 Hill Ave, Elgin, IL
0.07
Single-Family Home
$285,000
01/16/26
3
1.5
1,644
463 North St, Elgin, IL
0.11
Single-Family Home
$255,000
05/21/26
3
1.5
1,230
137 N Channing St, Elgin, IL
0.13
Single-Family Home
$330,000
08/11/25
4
1
1,906
472 Division St, Elgin, IL
0.05
Single-Family Home
$236,500
09/26/25
3
2.5
1,800
108 N Channing St, Elgin, IL
0.15
Single-Family Home
$335,000
07/30/25
3
1.5
1,787

Nearby homes

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Assigned Schools

These are the assigned schools for 490 Division St.
View nearby schools on GreatSchools
The GreatSchools Rating compares schools on a variety of school quality indicators including test scores, college readiness, equity and more. Learn more.

Neighborhood Overview

Gifford Park
See Local Highlights
Neighborhood stats provided by third party data sources.

What Locals Say about Gifford Park

At least 62 Trulia users voted on each feature.

  • 93 % Say there are sidewalks

  • 79 % Say it's dog friendly

  • 79 % Say streets are well-lit

  • 74 % Say it's walkable to restaurants

  • 74 % Say kids play outside

  • 73 % Say yards are well-kept

  • 71 % Say car is needed

  • 71 % Say parking is easy

  • 58 % Say people would walk alone at night

  • 58 % Say there's holiday spirit

  • 56 % Say it's walkable to grocery stores

  • 50 % Say neighbors are friendly

  • 47 % Say they plan to stay for at least 5 years

  • 44 % Say there's wildlife

  • 38 % Say there are community events

  • 35 % Say it's quiet

Sourced by Trulia users. Learn more about our methodology.
  • Bridget Loose
    "Pace bus is great convenience for getting around town or next town over, I just think there needs to be something that notifies you if it’s being delayed or arriving early. "
    0
    Flag
  • Liz B.
    "People are always walking their dogs. The sidewalks are great and clean. People like this area for the historic district."
    0
    Flag
  • Austins03wrx
    "Good parts and bad parts but you will have to see the areas. Great small businesses and some great people"
    0
    Flag
  • Loupad32
    "a means of transport from one place to another usually farther than usual. To get to work. or school on a daily basis. In most situations you are often forced to drive to these far places out of necessity."
    2
    Flag
  • Dalejaacks
    "Very unique homes from the 1800s and early 1900s. One next door was used in a TV sitcom “Grace Under Fire”. Our plat was the third one in the whole city of Elgin. "
    0
    Flag
  • Susanne H.
    "I live here and over the years have witnessed a renaissance of this area. Elgin is fast becoming a place to watch. Ideally located for those who work in Chicago or in the western suburbs, Elgin has 3 commuter train stops and easy access to areas like Schaumburg and Algonquin. Directly adjacent to I90 and Route 20, as well as Randall and Irving Park road. Elgin offers easy access to the western business corridor and recreation."
    3
    Flag

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Homes for sale near 490 Division St

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Off Market Homes Near 490 Division St

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Based on information submitted to the MLS GRID as of 2026. 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. Click here for more information