$285,000

beds

baths

1,012

square ft

521 S Railroad Street

Montgomery, Illinois 60538

Contingent / MLS #12596087 / Condo / Montgomery

Listing information updated 4/2/2026 at 7:43am

Rare opportunity to own this three bed three bath ranch-style duplex, featuring a full finished basement with a second kitchen- ideal for rental income or multigenerational living. The main floor is filled with natural light and offers a spacious eat-in kitchen with plenty of cabinets and counter space. The primary bedroom includes a private en-suite bathroom while the secondary bedroom features a full walk in closet. Convenient main floor laundry makes this level fully self-sufficient. The lower level boasts another en-suite bedroom, full kitchen, dining area and an expansive living space enhanced with many stylish extras such as tile work and mood lighting. A full attached garage and backyard storage shed complete this well appointed property. No HOA or association fees.

Full Features

Exterior Type:

Vinyl Siding

Basement:

Finished,Full

Beds Above Grade:

Beds Below Grade:

Cooling System:

Central Air

Heating System:

Natural Gas

Appliances:

Range, Microwave, Refrigerator, Washer, Dryer

Main Level Primary Bedroom:

Yes

Pool:

Age:

31-40 Years

Roof Type:

Asphalt

Parking Type:

Garage - Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,Garage

Parking Spaces:

Garage:

Attached

Room Count:

Water Front:

Square Feet:

1,012

Pet Information:

Cats OK, Dogs OK

Internal Features:

In-Law Floorplan, 1st Floor Full Bath, Storage, Built-in Features, Walk-In Closet(s), Open Floorplan, Dining Combo

Room Information

Living Room:

17x11 - Main

Dining Room:

N/A

Kitchen:

17x9 - Main

Family Room:

N/A

Primary Bedroom:

14x11 - Main Level

2nd Bedroom:

14x11 - Main

3rd Bedroom:

12x10 - Basement

4th Bedroom:

N/A

Kitchen- 2nd:

16x12 - Basement Level

Family Room - Down:

18x17 - Basement Level

Laundry:

8x5 - Main Level

Taxes & Assessments

Tax Amount:

$3,371

Tax Year:

2024

Location

Zip Code:

60538

City:

Montgomery

County:

Kane

Schools

School District(s):

131, 129

Elementary School:

Nicholas A Hermes Elementary Sch

Middle School:

Washington Middle School

High School:

West Aurora High School

Exterior Type:

Vinyl Siding

Basement:

Finished,Full

Beds Above Grade:

Beds Below Grade:

Cooling System:

Central Air

Heating System:

Natural Gas

Appliances:

Range, Microwave, Refrigerator, Washer, Dryer

Main Level Primary Bedroom:

Yes

Pool:

Age:

31-40 Years

Roof Type:

Asphalt

Parking Type:

Garage - Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,Garage

Parking Spaces:

Garage:

Attached

Room Count:

Water Front:

Square Feet:

1,012

Pet Information:

Cats OK, Dogs OK

Internal Features:

In-Law Floorplan, 1st Floor Full Bath, Storage, Built-in Features, Walk-In Closet(s), Open Floorplan, Dining Combo

Living Room:

17x11 - Main

Dining Room:

N/A

Kitchen:

17x9 - Main

Family Room:

N/A

Primary Bedroom:

14x11 - Main Level

2nd Bedroom:

14x11 - Main

3rd Bedroom:

12x10 - Basement

4th Bedroom:

N/A

Kitchen- 2nd:

16x12 - Basement Level

Family Room - Down:

18x17 - Basement Level

Laundry:

8x5 - Main Level

Tax Amount:

$3,371

Tax Year:

2024

Zip Code:

60538

City:

Montgomery

County:

Kane

School District(s):

131, 129

Elementary School:

Nicholas A Hermes Elementary Sch

Middle School:

Washington Middle School

High School:

West Aurora High School

Listing Office: Charles Rutenberg Realty

Listing Office Phone: 630.929.1100

Disclaimer: The data relating to real estate for sale on this website comes courtesy of Midwest Real Estate Data, LLC as distributed by MLS GRID. Real estate listings held by brokerage firms other than @properties are marked with the Broker Reciprocity thumbnail logo and detailed information about them includes the name of the listing brokers. Properties displayed may be listed or sold by various participants in the MLS. Based on information submitted to the MLS GRID as of 4/2/2026 at 7:43am. 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. Some listings have been excluded from this website.