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229 Center St, Naperville, IL, 60540

3beds
2baths
1,576sqft
$650,000
$412price/sqft
$4,662/moest. monthly cost
$186,480/yrincome needed

About This Home

In the HEART OF NAPERVILLE'S coveted HISTORIC DISTRICT, this timeless home offers the perfect blend of charm, character, and an unbeatable WALK TO EVERYTHING LIFESTYLE. Located just THREE BLOCKS from downtown Naperville's acclaimed dining and shopping, and only ONE BLOCK from the METRA STATIOM and the DUPAGE CHILDREN'S MUSEUM. This is a rare opportunity to own a piece of Naperville history in one of the city's most sought after locations. WALK TO ELEMENTARY, MIDDLE AND HIGH SCHOOLS while enjoying all the conveniences of downtown living right outside your door. Inside, this beautifully maintained 3 BEDROOM, 1.5 BATH home showcases stunning REFINISHED HARDWOOD FLOORS completed in 2026, adding warmth and elegance throughout. The UPDATED KITCHEN blends modern functionality with classic charm, creating a welcoming space for everyday living and entertaining alike. Relax on the inviting FRONT PORCH, unwind on the BACK PORCH, or entertain guests on the NEWLY ADDED PAVER PATIO overlooking the expansive FENCED BACKYARD. This LARGE CORNER LOT has fresh sod and professional landscaping completed in 2025. The OVERSIZED DETACHED GARAGE is a STANDOUT FEATURE rarely found in the Historic District. FULLY INSULATED and equipped with its own HVAC SYSTEM, it offers ENDLESS POSSIBILITIES for hobby space, workshop, fitness area, or additional entertaining. Recent UPGRADES to the garage include a durable polyurea floor coating in 2024 and a 100-amp electrical subpanel added in 2023. Major improvements to the home provide peace of mind, including HVAC and HOT WATER HEATER replaced in 2021. UPDATED 200-amp electrical service. Homes offering this combination of HISTORIC CHARACTER, MODERN UPDATES, EXCEPTIONAL OUTDOOR SPACE, and PREMIER downtown Naperville LOCATION RARELY become available. This is MORE THAN A HOME, it is a LIFESTYLE OPPORTUNITY buyers will not want to miss.

Getting Around

91
WalkingWalker's Paradise
42
TransitSome Transit
55
BikeBikeable

Schools

7/10
9/10
9/10

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Asphalt
  • Construction materials: Cedar

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Disposal,Stainless Steel Appliance(s)
  • Laundry features: Main Level,Electric Dryer Hookup,Sink

Basement

  • Has basement: Yes
  • Basement: Unfinished,Exterior Entry,Partial

Bedroom2

  • Features: Flooring (Hardwood)
  • Level: Second
  • Area: 140
  • Dimensions: 14X10

Bedroom3

  • Features: Flooring (Hardwood)
  • Level: Second
  • Area: 121
  • Dimensions: 11X11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 187
  • Dimensions: 17X11

Features

  • Built-in Features,Bookcases
  • Flooring: Hardwood,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,576 sqft

Kitchen

  • Features: Kitchen (Island,Pantry-Walk-in),Flooring (Hardwood)
  • Level: Main
  • Area: 180
  • Dimensions: 15X12

Laundry

  • Features: Flooring (Ceramic Tile)
  • Level: Main
  • Area: 112
  • Dimensions: 16X7

Living Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 264
  • Dimensions: 24X11

Master Bedroom

  • Features: Flooring (Hardwood)
  • Level: Second
  • Area: 140
  • Dimensions: 14X10

Pantry

  • Level: Main
  • Area: 32
  • Dimensions: 8X4

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0818126001
  • Special condition: List Broker Must Accompany

Features

  • Stories: 2
  • Patio & porch: Porch,Patio
  • Fencing: Fenced

Lot

  • Lot size: 8,276 sqft
  • Features: Corner Lot
  • Lot size dimensions: 150 x 55

Parking

  • Total spaces: 6
  • Parking features: Asphalt,Garage Door Opener,Heated Garage,Yes,Garage Owned,Detached,Driveway,Owned,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 $3,286$39,432
Home Insurance *$223$2,676
Property Taxes $1,023$12,276
Electricity $130$1,569
Total$4,662$55,944
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$159,840/yr
40% on housing$139,860/yr
45% on housing$124,320/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

$412This listing

vs Other Active Listings

Avg $/sqft

ZIP 60540$350
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
2026-07-02Listing removed$665,000
2026-06-23Contingent$665,000
2026-05-25Listed for sale$665,000
2019-10-18Sold$425,000
2019-09-27Pending sale$425,000
2019-08-25Price change$425,000
2019-06-28Price change$439,000
2019-06-06Listed for sale$444,900
2019-05-20Pending sale$444,900
2019-05-02Price change$444,900
2019-04-05Listed for sale$450,000
2017-05-16Sold$388,000
2017-04-17Pending sale$399,900
2017-04-12Price change$399,900
2017-03-13Price change$419,900
2017-02-18Listed for sale$429,900
2014-11-14Sold$337,500
2014-09-20Pending sale$339,900
2014-09-09Price change$339,900
2014-08-31Listed for sale$347,500
2012-06-27Listing removed$339,000
2012-06-13Listed for sale$339,000

For Sale by Agent

AgentElizabeth Heavener
BrokerageKeller Williams Infinity

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