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1803 River Ridge Cir, Naperville, IL, 60565

4beds
3baths
3,377sqft
$695,000
$206price/sqft
$5,086/moest. monthly cost
$203,440/yrincome needed

About This Home

Welcome to this exceptional original owner home nestled in the heart of Naperville, located within the highly acclaimed and award-winning School District 203. This expansive and meticulously maintained property offers both comfort and impressive space, making it a rare find in today's market. Boasting 4 bedrooms and 3 full bathrooms, this home seamlessly blends modern enhancements with timeless charm. From its generously sized rooms to its thoughtfully designed layout, every corner reflects quality and care. Whether you're looking for a move-in ready residence or a space with tremendous potential to personalize and grow into, this home delivers. The unfinished, full basement is ready for your touches and is already pre-plumbed for a bathroom. Don't miss the opportunity to live in a vibrant community known for its top-rated schools, beautiful parks, and easy access to all that Naperville has to offer.

Getting Around

43
WalkingCar-Dependent
0
TransitNo Nearby Transit
54
BikeBikeable

Schools

9/10
Scott Elementary SchoolGrades PK-50.4 mi
7/10
Madison Jr High SchoolGrades 6-80.7 mi
9/10

Construction

Condition

  • Year built: 1994

Materials

  • Roof: Shake
  • Construction materials: Brick,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Double Oven,Refrigerator,Washer,Dryer,Stainless Steel Appliance(s),Cooktop

Basement

  • Has basement: Yes
  • Basement: Unfinished,Full

Bedroom2

  • Level: Second
  • Area: 182
  • Dimensions: 14X13

Bedroom3

  • Level: Second
  • Area: 182
  • Dimensions: 14X13

Bedroom4

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: Main
  • Area: 196
  • Dimensions: 14X14

Eating Area

  • Level: Main
  • Area: 165
  • Dimensions: 15X11

Family Room

  • Level: Main
  • Area: 361
  • Dimensions: 19X19

Features

  • Number of fireplaces: 1
  • Fireplace features: Family 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: 3,377 sqft

Kitchen

  • Features: Kitchen (Eating Area-Table Space),Flooring (Ceramic Tile)
  • Level: Main
  • Area: 165
  • Dimensions: 15X11

Laundry

  • Level: Main
  • Area: 84
  • Dimensions: 14X6

Living Room

  • Level: Main
  • Area: 260
  • Dimensions: 20X13

Master Bedroom

  • Features: Bathroom (Full)
  • Level: Second
  • Area: 403
  • Dimensions: 31X13

Office

  • Level: Main
  • Area: 143
  • Dimensions: 13X11

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0832103005
  • Special condition: None

Lot

  • Lot size: 0.31 Acres
  • Lot size dimensions: 100 X 135

Parking

  • Total spaces: 6
  • Parking features: Concrete,Yes,Garage Owned,Attached,Owned,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
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 $3,514$42,168
Home Insurance *$219$2,628
Property Taxes $1,094$13,128
Electricity $259$3,116
Total$5,086$61,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$174,377/yr
40% on housing$152,580/yr
45% on housing$135,626/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

$206This listing

vs Other Active Listings

Avg $/sqft

ZIP 60565$265
DuPage County$270

vs Homes Sold Last Month

Median $/sqft

ZIP 60565$255
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
2026-04-30Price change$794,900
2026-04-16Listed for sale$819,000
1994-09-07Sold$283,000

For Sale by Agent

AgentPaul Kempa
BrokerageRealty One Group Excel

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