# 656 South Street, Elgin, IL 60123 > **TL;DR:** 6bd/3ba residential multi family, $475,000, built 1883. Est. $2,541/mo. Listed 2 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $475,000 | | Bedrooms | 6 | | Bathrooms | 3 full | | Year Built | 1883 | | Lot Size | 15,246 sqft (0.35 acres) | | Property Type | Residential Multi Family (Other) | | Status | Active | | Days on Market | 2 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,402 | | Estimated Insurance | $139 | | **Total** | **$2,541** | ## Nearby Schools - **Elementary:** Highland Elementary School - **Middle:** Kimball Middle School - **High:** Larkin High School ## Property Highlights - Built in 1883 - 0.35 acre lot - 8 parking spaces ## Description ### Agent Description A rare opportunity to own a piece of Elgin's architectural history! Built in 1883, this distinctive Queen Anne Victorian combines timeless charm with the income potential of a legally configured 3-unit property. Well-maintained and thoughtfully laid out, it boasts three separate living spaces: Unit 1 on the main level includes 2 bedrooms, 1 bathroom and is rented month-to-month, and private access to the basement; Unit 2 on the second floor offers 3 bedrooms and 1 bathroom and is rented month-to-month; and Unit 3 on the main level features 1 bedroom and 1 bathroom. The full, unfinished basement provides shared coin-operated laundry, dedicated storage closets for each unit, and convenient exterior access. Eight exterior parking spaces on an oversized parking lot in the rear and a storage shed add to the property's functionality. Ideal for investors looking to expand their portfolios or owner-occupants seeking to offset housing expenses through rental income, all three units are currently occupied by responsible tenants paying below-market rents, presenting potential for future income growth. With established tenancy, a carefully maintained building, and flexible ownership possibilities, this Victorian gem offers a compelling opportunity in Elgin. Enjoy convenient access to Downtown Elgin, public transportation, Metra commuter rail, the Fox River, neighborhood parks, local shopping and dining, and more! ## Location - **Address:** 656 South Street, Elgin, IL 60123 - **County:** Kane - **Coordinates:** 42.031558, -88.295784 - **Google Maps:** https://www.google.com/maps?q=42.031558,-88.295784 ## Listing Agent - **Name:** Amy Wu - **Brokerage:** Keller Williams Success Realty - **Broker Phone:** (847) 381-9500 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/656-South-St_Elgin_IL_60123_M90120-98079?f=listhub&s=MREDIL&m=12794475&c=propsimple) ## Photos ![656 South Street - Photo 1](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f1193208690r.jpg) ![656 South Street - Photo 2](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f1284435669r.jpg) ![656 South Street - Photo 3](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2337864427r.jpg) ![656 South Street - Photo 4](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f3071722316r.jpg) ![656 South Street - Photo 5](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2416434742r.jpg) ![656 South Street - Photo 6](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f962096617r.jpg) ![656 South Street - Photo 7](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f3090761557r.jpg) ![656 South Street - Photo 8](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f1705648839r.jpg) ![656 South Street - Photo 9](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f1111080353r.jpg) ![656 South Street - Photo 10](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f1742545571r.jpg) ![656 South Street - Photo 11](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f1330127261r.jpg) ![656 South Street - Photo 12](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2518587016r.jpg) ![656 South Street - Photo 13](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2880819740r.jpg) ![656 South Street - Photo 14](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2265715189r.jpg) ![656 South Street - Photo 15](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f3192864058r.jpg) ![656 South Street - Photo 16](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f1656535523r.jpg) ![656 South Street - Photo 17](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2674941105r.jpg) ![656 South Street - Photo 18](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f3760056660r.jpg) ![656 South Street - Photo 19](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f1527729353r.jpg) ![656 South Street - Photo 20](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f1408132585r.jpg) ![656 South Street - Photo 21](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f3325012804r.jpg) ![656 South Street - Photo 22](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2293656254r.jpg) ![656 South Street - Photo 23](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f239046356r.jpg) ![656 South Street - Photo 24](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f475419201r.jpg) ![656 South Street - Photo 25](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f634117331r.jpg) ![656 South Street - Photo 26](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2749811782r.jpg) ![656 South Street - Photo 27](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f1386568972r.jpg) ![656 South Street - Photo 28](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2554335533r.jpg) ![656 South Street - Photo 29](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f520712448r.jpg) ![656 South Street - Photo 30](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2746913822r.jpg) ![656 South Street - Photo 31](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f3005693597r.jpg) ![656 South Street - Photo 32](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f26363685r.jpg) ![656 South Street - Photo 33](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f4294062373r.jpg) ![656 South Street - Photo 34](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f1094716678r.jpg) ![656 South Street - Photo 35](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f48736199r.jpg) ![656 South Street - Photo 36](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f962113734r.jpg) ![656 South Street - Photo 37](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f3081297991r.jpg) ![656 South Street - Photo 38](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2657888864r.jpg) ![656 South Street - Photo 39](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f3642543324r.jpg) ![656 South Street - Photo 40](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2274122640r.jpg) ![656 South Street - Photo 41](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f3615893786r.jpg) ![656 South Street - Photo 42](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f3736236903r.jpg) ![656 South Street - Photo 43](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f4207001939r.jpg) ![656 South Street - Photo 44](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2944565358r.jpg) ![656 South Street - Photo 45](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2612985680r.jpg) ![656 South Street - Photo 46](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2261229415r.jpg) ![656 South Street - Photo 47](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f3543909178r.jpg) ![656 South Street - Photo 48](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2693738783r.jpg) ![656 South Street - Photo 49](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f1496265226r.jpg) ![656 South Street - Photo 50](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f3027850683r.jpg) ![656 South Street - Photo 51](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2530810537r.jpg) ![656 South Street - Photo 52](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f291979371r.jpg) ![656 South Street - Photo 53](http://lh.rdcpix.com/77aea21dd0279aed677f413b74c92229l-f2481611407r.jpg) --- **MLS#:** 12794475 | **Updated:** 2026-10-29 **Source:** listhub *Copyright © 2026 Midwest Real Estate Data, LLC. 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/656-south-street-elgin-il-60123-736ea24f814f4bf6825ef0defe17fc93) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/656-south-street-elgin-il-60123-736ea24f814f4bf6825ef0defe17fc93#listing", "url": "https://www.propertysimple.ai/listing/656-south-street-elgin-il-60123-736ea24f814f4bf6825ef0defe17fc93", "name": "656 South Street, Elgin, IL 60123", "description": "A rare opportunity to own a piece of Elgin's architectural history! Built in 1883, this distinctive Queen Anne Victorian combines timeless charm with the income potential of a legally configured 3-unit property. 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