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939 N Harding Ave, Chicago, IL, 60651

4beds
3baths
0sqft
$525,000
--price/sqft
$3,977/moest. monthly cost
$159,080/yrincome needed

About This Home

Welcome to 939 N Harding Ave, a striking new construction single-family home offering 4 bedrooms, 3 bathrooms, and a thoughtfully designed multi-level layout with modern finishes throughout. From the bold contemporary exterior to the bright open-concept interior, this home delivers style, space, and functionality in every detail. The main level features a spacious living and dining area that flows seamlessly into a designer kitchen with sleek cabinetry, quartz countertops, statement lighting, stainless steel appliances, a large island with seating, and stylish accent details, plus a convenient main-level bedroom and full bathroom ideal for guests, a home office, or flexible everyday living. Upstairs, you'll find 3 well-sized bedrooms and a full bathroom, creating a comfortable private living space separate from the main entertainment areas. The home features durable LVP flooring throughout the main and upper levels, lots of recessed lighting, large windows, and clean modern finishes. The expansive lower level adds incredible usable space with tile flooring, a bathroom, laundry area, and a large family room perfect for entertaining, relaxing, a media area, play space, or game room. Outside, the contemporary facade, fenced yard space, and fresh new construction design make this home stand out. Conveniently located near parks, transit, shopping, dining, and neighborhood amenities, this is a great opportunity to own a brand-new home in Chicago. Schedule your showing today and experience the space, style, and modern comfort of 939 N Harding Ave.

Getting Around

61
WalkingSomewhat Walkable
65
TransitGood Transit
69
BikeBikeable

Schools

4/10
Cameron Elementary SchoolGrades PK-80.5 mi
1/10
Orr Academy High SchoolGrades 9-120.3 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Concrete Perimeter
  • Roof: Rubber
  • Construction materials: Brick,Cedar,Block,Combination

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Dishwasher,Refrigerator,Washer,Dryer,Disposal,Stainless Steel Appliance(s),Wine Refrigerator,Range Hood,Gas Oven
  • Laundry features: Gas Dryer Hookup,In Unit,Laundry Closet

Basement

  • Has basement: Yes
  • Basement: Finished,Rec/Family Area,Storage Space,Full,Daylight

Bedroom2

  • Features: Flooring (Luxury Vinyl)
  • Level: Second
  • Area: 195
  • Dimensions: 13X15

Bedroom3

  • Features: Flooring (Luxury Vinyl)
  • Level: Second
  • Area: 156
  • Dimensions: 13X12

Bedroom4

  • Features: Flooring (Luxury Vinyl)
  • Level: Second
  • Area: 120
  • Dimensions: 10X12

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 117
  • Dimensions: 13X9

Family Room

  • Features: Flooring (Porcelain Tile)
  • Level: Basement
  • Area: 731
  • Dimensions: 17X43

Features

  • Dry Bar,Wet Bar,Built-in Features,Walk-In Closet(s),Open Floorplan
  • Window features: Screens
  • Flooring: Laminate

Heating & Cooling

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

Interior Area

  • Total structure area: 0

Kitchen

  • Features: Kitchen (Island,Pantry-Closet,Pantry-Walk-in,Custom Cabinetry,Updated Kitchen),Flooring (Porcelain Tile)
  • Level: Main
  • Area: 323
  • Dimensions: 17X19

Laundry

  • Features: Flooring (Ceramic Tile)
  • Level: Basement
  • Area: 18
  • Dimensions: 6X3

Living Room

  • Features: Flooring (Luxury Vinyl)
  • Level: Main
  • Area: 192
  • Dimensions: 12X16

Master Bedroom

  • Features: Flooring (Luxury Vinyl),Bathroom (Full)
  • Level: Main
  • Area: 195
  • Dimensions: 13X15

Walk In Closet

  • Features: Flooring (Luxury Vinyl)
  • Level: Second
  • Area: 36
  • Dimensions: 4X9

Walk In Closet

  • Features: Flooring (Luxury Vinyl)
  • Level: Second
  • Area: 48
  • Dimensions: 8X6

Walk In Closet

  • Features: Flooring (Luxury Vinyl)
  • Level: Second
  • Area: 36
  • Dimensions: 9X4

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 16023180080000
  • Special condition: None

Features

  • Stories: 2
  • Patio & porch: Roof Deck,Deck
  • Exterior features: Lighting
  • Fencing: Fenced

Lot

  • Lot size: 3,125 sqft
  • Lot size dimensions: 25x125

Parking

  • Total spaces: 2
  • Parking features: Off Alley,Garage Door Opener,Yes,Garage Owned,Detached,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 WaveVery High
  • Tornado
    TornadoVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Heat Wave
Inland Flooding
Winter Weather
Tsunami

FEMA Declared Disasters Across Illinois Counties

Flood
Other
Severe Storm
Straight Line Winds
Tornado

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 $2,654$31,848
Home Insurance *$437$5,244
Property Taxes $756$9,072
Electricity $130$1,569
Total$3,977$47,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,354/yr
40% on housing$119,310/yr
45% on housing$106,053/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: 15.1%
15.1%
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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 60651$242
Cook County$225

vs Homes Sold Last Month

Median $/sqft

ZIP 60651$187
Cook County$219

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
2026-08-06Contingent$525,000
2026-07-22Price change$525,000
2026-07-13Price change$540,000
2026-06-29Price change$550,000
2026-06-24Price change$560,000
2026-06-12Price change$570,000
2026-05-15Listed for sale$590,000

New Construction

AgentMatt Laricy
BrokerageAmericorp, Ltd

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