1639-1641 N Charles St, Belleville, IL, 62221
About This Home
Turnkey duplex with separate utilities, fully separated 6-foot privacy-fenced yards, & major system updates completed in 2024 & 2025. Each side features an oversized upper-level loft bedroom, main-floor pass-through, living room, kitchen, & bath. Flexibility for multiple investment strategies, including house hacking. Projected market rent is approximately $1,200 per unit ($2,400 per month total). 1641 is currently operated as an owner-occupied short-term rental & may only be available for touring when not occupied by guests. Both units delivered vacant at closing. Buyers are responsible for independently verifying occupancy & permitted uses for intended future use of the property. 1641 Updates: • HVAC replaced in 2024 • Water heater replaced in 2024 • Dishwasher installed • Updated kitchen • Updated bathroom 1639 Updates: • HVAC replaced in 2024 • Water heater replaced in 2025 • New carpet installed • Portable dishwasher included Additional Features: • Separate gas, electric, & water service • Fully separated 6-foot privacy-fenced yards • Separate in-unit washers & dryers replaced since 2022 & included with sale • All kitchen appliances included • Off-street parking • Turnkey furnishings, linens, & supplies for 1641 are negotiable Seller is a licensed real estate agent in the State of Illinois & owner of the property.
Getting Around
Somewhat Walkable
Some Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1900
Type & Style
- Home type: MultiFamily
- Architectural style: Other
- Property subType: Multi Family
Interior
Appliances
- Appliances included: Dishwasher,Portable Dishwasher,Gas Range,Refrigerator,Washer/Dryer
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Unfinished
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
Cooling
- Cooling features: Central Air
Features
- Flooring: Carpet,Vinyl
- Finished area above ground: 1,530
Interior Area
- Total structure area: 1,530
- Total interior livable area: 1,530 sqft
Property
Details
- Parcel number: 0815.0419028
- Special condition: Standard
Features
- Fencing: Privacy
Lot
- Lot size: 6,098 sqft
- Features: Back Yard
Parking
- Parking features: Asphalt
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
- Earthquake
- Heat Wave
- Hail
- Ice Storm
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $909 | $10,908 |
| Home Insurance * | $150 | $1,800 |
| Property Taxes | $274 | $3,288 |
| Electricity | $130 | $1,569 |
| Total | $1,463 | $17,556 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-01 | Price change | $179,900 |
| 2026-07-24 | Price change | $189,900 |
| 2026-07-11 | Price change | $194,900 |
| 2026-06-28 | Listed for sale | $199,000 |
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