# 102 E Market Street, Mount Carroll, IL 61053 > **TL;DR:** single family, $319,000 ($48/sqft), built 1870, 6,638 sqft. > A/C. Est. $1,706/mo. Listed 538 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $319,000 | | Price/sqft | $48 | | Square Feet | 6,638 | | Year Built | 1870 | | Lot Size | 4,792 sqft (0.11 acres) | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 538 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,613 | | Estimated Insurance | $93 | | **Total** | **$1,706** | ## Key Amenities - A/C ## Property Highlights - Built in 1870 - 0.11 acre lot ## Description ### Agent Description Anchoring the heart of Mt. Carroll's downtown Historic District, this impressive brick cornerstone property offers a unique blend of commercial and residential opportunities. Formerly home to the Mt. Carroll National Bank, this multi-use building features: COMMERCIAL OFFICE SPACE: Has two glass-enclosed, soundproof offices, a granite and cherry reception area, a conference space, a vault, and a 1960's Elevette three-floor elevator (currently disabled). Per Illinois state guidelines, the elevator must either be reactivated and recertified or removed within the coming years. The main floor units have separate heating and cooling systems but share natural gas and electric services. MAIN FLOOR APARTMENT (ADDED IN 2018): This well-appointed unit includes an electric fireplace, modern plumbing, all appliances, updated flooring, a gas forced-air furnace, central air, some new windows, a custom kitchen, two bedrooms, and a full bath. The main level apartment is allowed with a special use permit. New buyer would have to receive their own special use permit if it is to be used as a main level apartment. SECOND-FLOOR RESIDENCES (RENOVATED IN 2014): The upper level underwent complete interior renovations including all new plumbing and electrical, creating four modern apartments with separate electric services. Updates included new electrical and plumbing systems, four electric furnaces, four separate rooftop central air units, custom kitchen cabinetry with granite countertops, appliances, Pella windows with Levolor(R) blinds, and updated flooring and baths. A shared laundry facility serves three units, while the two-bedroom apartment has its own in-unit washer and dryer as well as a dishwasher.. All appliances stay. The apartments are staged; no furnishings stay. Office furniture may be negotiable with a separate bill of sale. BASEMENT: The east half of the basement includes a vault and half bathroom with a rear (north) alley entrance. On the west side of the basement there is approximately 800+ sq. ft. of unfinished space with its own multiple entrances-ready for conversion into an additional commercial space or residential unit to maximize income potential. There are two entrances on the west side of the building off Main Street, plus one handicap accessible alley entrance on the north side of the building. ADDITIONAL INFORMATION: Bituminous Roof installed in 2014, and the building's water heater was new in 2024. Coded security door to second floor apartments. There is a rear fire escape. One owner is a Licensed Illinois Designated Managing Real Estate Broker. All unit square footages are estimated and deemed reliable but not guaranteed. Sale is contingent upon the seller securing housing of their choice. A signed confidentiality agreement and buyer's lender pre-approval are required prior to showing confirmation or receiving financial information. Deed restrictions apply. Party wall agreement. Utility easement. Subject to current leases. SEIZE THIS RARE OPPORTUNITY TO INVEST IN A PIECE OF MT. CARROLL'S HISTORY! ## Location - **Address:** 102 E Market Street, Mount Carroll, IL 61053 - **Coordinates:** 42.10154, -89.978663 - **Google Maps:** https://www.google.com/maps?q=42.10154,-89.978663 ## Listing Agent - **Name:** Amy Barnes - **Brokerage:** Barnes Realty, Inc - **Broker Phone:** (815) 493-2323 ## Photos ![102 E Market Street - Photo 1](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f2669775880r.jpg) ![102 E Market Street - Photo 2](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f2215986147r.jpg) ![102 E Market Street - Photo 3](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f2491232539r.jpg) ![102 E Market Street - Photo 4](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f3553065351r.jpg) ![102 E Market Street - Photo 5](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f1636745827r.jpg) ![102 E Market Street - Photo 6](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f3254968470r.jpg) ![102 E Market Street - Photo 7](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f2942968567r.jpg) ![102 E Market Street - Photo 8](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f2334384434r.jpg) ![102 E Market Street - Photo 9](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f2422412797r.jpg) ![102 E Market Street - Photo 10](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f1214868739r.jpg) ![102 E Market Street - Photo 11](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f4255279478r.jpg) ![102 E Market Street - Photo 12](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f3559888826r.jpg) ![102 E Market Street - Photo 13](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f3994973058r.jpg) ![102 E Market Street - Photo 14](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f25253154r.jpg) ![102 E Market Street - Photo 15](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f4166343550r.jpg) ![102 E Market Street - Photo 16](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f1736578342r.jpg) ![102 E Market Street - Photo 17](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f1914370096r.jpg) ![102 E Market Street - Photo 18](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f3440977034r.jpg) ![102 E Market Street - Photo 19](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f2729737691r.jpg) ![102 E Market Street - Photo 20](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f2683743003r.jpg) ![102 E Market Street - Photo 21](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f3578494856r.jpg) ![102 E Market Street - Photo 22](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f1130026504r.jpg) ![102 E Market Street - Photo 23](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f3154150572r.jpg) ![102 E Market Street - Photo 24](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f2084430084r.jpg) ![102 E Market Street - Photo 25](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f3422174794r.jpg) ![102 E Market Street - Photo 26](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f2913387098r.jpg) ![102 E Market Street - Photo 27](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f1288173564r.jpg) ![102 E Market Street - Photo 28](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f1287657942r.jpg) ![102 E Market Street - Photo 29](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f1176051333r.jpg) ![102 E Market Street - Photo 30](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f4067029012r.jpg) ![102 E Market Street - Photo 31](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f4012902118r.jpg) ![102 E Market Street - Photo 32](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f2166584499r.jpg) ![102 E Market Street - Photo 33](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f3012577078r.jpg) ![102 E Market Street - Photo 34](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f4259780113r.jpg) ![102 E Market Street - Photo 35](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f519509104r.jpg) ![102 E Market Street - Photo 36](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f298937286r.jpg) ![102 E Market Street - Photo 37](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f1647807440r.jpg) ![102 E Market Street - Photo 38](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f2402853189r.jpg) ![102 E Market Street - Photo 39](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f2417063643r.jpg) ![102 E Market Street - Photo 40](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f3971153211r.jpg) ![102 E Market Street - Photo 41](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f1887014190r.jpg) ![102 E Market Street - Photo 42](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f74122133r.jpg) ![102 E Market Street - Photo 43](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f1726521921r.jpg) ![102 E Market Street - Photo 44](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f3189123036r.jpg) ![102 E Market Street - Photo 45](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f1112608971r.jpg) ![102 E Market Street - Photo 46](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f2180551241r.jpg) ![102 E Market Street - Photo 47](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f3254107723r.jpg) ![102 E Market Street - Photo 48](http://lh.rdcpix.com/c6fe398d25454b8744d4a78eb721535al-f3313300227r.jpg) --- **MLS#:** 202502325 | **Updated:** 2026-10-27 **Source:** listhub *Copyright © 2026 NorthWest Illinois Alliance of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/102-e-market-street-mount-carroll-il-61053-bf45ef99ae4142f49d52bc9ccac9dd3d) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/102-e-market-street-mount-carroll-il-61053-bf45ef99ae4142f49d52bc9ccac9dd3d#listing", "url": "https://www.propertysimple.ai/listing/102-e-market-street-mount-carroll-il-61053-bf45ef99ae4142f49d52bc9ccac9dd3d", "name": "102 E Market Street, Mount Carroll, IL 61053", "description": "Anchoring the heart of Mt. Carroll's downtown Historic District, this impressive brick cornerstone property offers a unique blend of commercial and residential opportunities. Formerly home to the Mt. Carroll National Bank, this multi-use building features: COMMERCIAL OFFICE SPACE: Has two glass-enclosed, soundproof offices, a granite and cherry reception area, a conference space, a vault, and a 1960's Elevette three-floor elevator (currently disabled). Per Illinois state guidelines, the elevator must either be reactivated and recertified or removed within the coming years. The main floor units have separate heating and cooling systems but share natural gas and electric services. MAIN FLOOR APARTMENT (ADDED IN 2018): This well-appointed unit includes an electric fireplace, modern plumbing, all appliances, updated flooring, a gas forced-air furnace, central air, some new windows, a custom kitchen, two bedrooms, and a full bath. The main level apartment is allowed with a special use permit. New buyer would have to receive their own special use permit if it is to be used as a main level apartment. SECOND-FLOOR RESIDENCES (RENOVATED IN 2014): The upper level underwent complete interior renovations including all new plumbing and electrical, creating four modern apartments with separate electric services. Updates included new electrical and plumbing systems, four electric furnaces, four separate rooftop central air units, custom kitchen cabinetry with granite countertops, appliances, Pella windows with Levolor(R) blinds, and updated flooring and baths. A shared laundry facility serves three units, while the two-bedroom apartment has its own in-unit washer and dryer as well as a dishwasher.. All appliances stay. The apartments are staged; no furnishings stay. Office furniture may be negotiable with a separate bill of sale. BASEMENT: The east half of the basement includes a vault and half bathroom with a rear (north) alley entrance. On the west side of the basement there is approximately 800+ sq. ft. of unfinished space with its own multiple entrances-ready for conversion into an additional commercial space or residential unit to maximize income potential. There are two entrances on the west side of the building off Main Street, plus one handicap accessible alley entrance on the north side of the building. ADDITIONAL INFORMATION: Bituminous Roof installed in 2014, and the building's water heater was new in 2024. Coded security door to second floor apartments. There is a rear fire escape. One owner is a Licensed Illinois Designated Managing Real Estate Broker. All unit square footages are estimated and deemed reliable but not guaranteed. Sale is contingent upon the seller securing housing of their choice. A signed confidentiality agreement and buyer's lender pre-approval are required prior to showing confirmation or receiving financial information. Deed restrictions apply. Party wall agreement. Utility easement. 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