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1390 River Oak Dr, Naperville, IL, 60565

4beds
3baths
1,812sqft
$544,900
$301price/sqft
$3,924/moest. monthly cost
$156,960/yrincome needed

About This Home

Beautiful 4-bedroom, 2.5-bath home located in the highly sought-after Naperville School District 203! This well-designed property offers a comfortable and inviting layout, perfect for everyday living and entertaining. The main floor features a generously sized primary bedroom with vaulted ceilings, skylights that fill the space with natural light, a cozy wood-burning fireplace, a full bathroom, and patio doors leading to the backyard. You'll also find a bright living room, a kitchen and dining room combo, hardwood flooring throughout the entire main level, and a convenient main-floor laundry room. A 2-car attached garage provides additional convenience. Upstairs, there are three additional bedrooms and a full bathroom, providing flexibility for family, guests, or a home office. The unfinished basement offers great potential for future living space, along with a large crawl space for extra storage. Major updates were completed in 2010, including the roof, gutters, siding, plumbing, electrical, furnace, A/C, and windows. The interior has been freshly painted in 2026. While the home could benefit from some updates, it presents a wonderful opportunity to add your personal touch and build equity. Ideally located just minutes from shopping, dining, and major transportation routes, this home offers both convenience and potential-ready to welcome its new owners!

Getting Around

29
WalkingCar-Dependent
0
TransitNo Nearby Transit
34
BikeSomewhat Bikeable

Schools

10/10
7/10
Madison Jr High SchoolGrades 6-80.3 mi
9/10

Construction

Condition

  • Year built: 1984

Materials

  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished,Partial

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 168
  • Dimensions: 12X14

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 110
  • Dimensions: 10X11

Bedroom4

  • Features: Flooring (Carpet)
  • Level: Second
  • Area: 100
  • Dimensions: 10X10

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 165
  • Dimensions: 11X15

Features

  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Master Bedroom
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,812 sqft

Kitchen

  • Features: Kitchen (Eating Area-Breakfast Bar,Granite Counters),Flooring (Hardwood)
  • Level: Main
  • Area: 70
  • Dimensions: 7X10

Laundry

  • Features: Flooring (Ceramic Tile)
  • Level: Main
  • Area: 35
  • Dimensions: 5X7

Living Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 264
  • Dimensions: 12X22

Master Bedroom

  • Features: Flooring (Hardwood),Bathroom (Full)
  • Level: Main
  • Area: 418
  • Dimensions: 19X22

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 0833307007
  • Special condition: None

Features

  • Stories: 2

Lot

  • Lot size: 10,018 sqft
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Yes,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $2,755$33,060
Home Insurance *$172$2,064
Property Taxes $858$10,296
Electricity $139$1,672
Total$3,924$47,088
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,537/yr
40% on housing$117,720/yr
45% on housing$104,640/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

$301This listing

vs Other Active Listings

Avg $/sqft

ZIP 60565$262
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
2026-05-04Listed for sale$579,000
2004-04-21Sold$266,000

For Sale by Agent

AgentLina Finwall
BrokerageLocal Realty, Co.

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