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652 S Main St, Naperville, IL, 60540

2beds
1baths
1,014sqft
$429,900
$424price/sqft
$3,127/moest. monthly cost
$125,080/yrincome needed

About This Home

Just two blocks from the vibrant heart of downtown Naperville, this charming home delivers the lifestyle everyone is chasing. Imagine starting your mornings on the inviting front porch with coffee in hand, then stepping out for a short stroll to boutique shopping, top-rated dining, the scenic Riverwalk, and year-round community events. Inside, you'll find a beautifully updated kitchen and bath that blend modern finishes with everyday comfort. The versatile den offers the perfect flex space, ideal for a home office, cozy reading retreat, or additional living area to fit your needs. With 2 bedrooms and an easy, low-maintenance layout, this home is perfectly suited for first-time buyers ready to plant roots or downsizers looking to simplify without sacrificing location or charm. Location, lifestyle, and character come together effortlessly, this is Naperville living at its finest.

Getting Around

82
WalkingVery Walkable
27
TransitSome Transit
49
BikeSomewhat Bikeable

Schools

8/10
9/10
Lincoln Jr High SchoolGrades 6-81.5 mi
9/10

Construction

Condition

  • Year built: 1940

Materials

  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2023

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: In Bathroom

Basement

  • Has basement: Yes
  • Basement: Unfinished,Full

Bedroom2

  • Level: Main
  • Area: 88
  • Dimensions: 11X8

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Den

  • Level: Main
  • Area: 117
  • Dimensions: 9X13

Dining Room

  • Level: Main
  • Area: 108
  • Dimensions: 9X12

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,014 sqft

Kitchen

  • Level: Main
  • Area: 130
  • Dimensions: 10X13

Laundry

  • Level: Main
  • Area: 72
  • Dimensions: 6X12

Living Room

  • Level: Main
  • Area: 128
  • Dimensions: 16X8

Master Bedroom

  • Level: Main
  • Area: 140
  • Dimensions: 14X10

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0724205027
  • Special condition: None

Features

  • Stories: 1

Lot

  • Lot size: 6,098 sqft

Parking

  • Total spaces: 1
  • Parking features: Gravel,Driveway,Yes,Owned
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado
Lightning
Strong Wind

FEMA Declared Disasters Across Illinois Counties

Flood

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,173$26,076
Home Insurance *$147$1,764
Property Taxes $677$8,124
Electricity $130$1,569
Total$3,127$37,524
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,211/yr
40% on housing$93,810/yr
45% on housing$83,386/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$424This listing

vs Other Active Listings

Avg $/sqft

ZIP 60540$351
DuPage County$270

vs Homes Sold Last Month

Median $/sqft

ZIP 60540$266
DuPage County$260

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-22Listed for sale$429,900
2026-07-21Listing removed$445,900
2026-07-10Price change$445,900
2026-06-15Listed for sale$455,900
2026-06-13Listing removed$469,000
2026-05-22Listed for sale$469,000
2024-06-27Sold$350,000
2024-06-18Pending sale$379,900
2024-05-25Contingent$379,900
2024-04-22Price change$379,900
2024-04-04Price change$389,900
2024-03-09Price change$399,999
2024-02-28Price change$409,900
2024-02-15Listed for sale$419,900
2024-02-15Listing removed--
2024-02-11Price change$419,900
2024-01-30Listed for sale$429,900
2024-01-12Listing removed--
2024-01-05Price change$439,500
2023-12-15Listed for sale$449,900
2023-05-16Listing removed--
2023-03-28Price change$399,900
2023-03-20Listed for sale$419,000
2020-02-27Listing removed$1,350
2020-01-13Price change$1,350
2020-01-12Listed for rent$1,500
2004-07-26Sold$200,000

For Sale by Agent

AgentRay Rosas Rosas
BrokerageNet Realty Corp

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