Rates Increasing? No worries! SELLER IS OFFERING BUYER CLOSING COST CREDIT toward an interest-rate buydown or other allowable closing costs! Beautifully updated 4-BR, 3-bath home on a premium lot in Elgin’s desirable Providence Subdivision, School District 301, featuring ~ $72K in seller-reported builder upgrades and lot enhancements! Bright, spacious layout offers formal living/dining rooms, family room, second-floor loft, and first-floor den/potential 5th bedroom. Upgraded kitchen features 42″ cabinets, Corian countertops, GE stainless appliances, butler’s pantry, built-in desk, and ceramic flooring. Spacious primary suite boasts two walk-in closets, jetted tub, separate shower, and dual vanities. Additional upgrades include abundant windows, premium fixtures, upgraded millwork, whole house window grids, extra outlets, and an insulated 2-car garage with decorative glass inserts. Full unfinished basement with 3-piece bath rough-in offers expansion potential. Enjoy a fenced backyard, an enlarged 12′ x 10′ deck, a brick paver patio, and an illuminated walkway. RECENT UPDATES: NEW range and microwave (Oct 2026), kitchen sink/faucet (2024), and water heater (2023). PRIME LOCATION! Steps from Settlers Park, near ECC College, shopping, dining, recreation, and convenient access to US-20, Route 47, and I-90. MOTIVATED SELLERS-SCHEDULE YOUR SHOWING TODAY!