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12 Rugby Place , Elgin, IL 60120.
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.
MLS ID: 12623188
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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 |