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381 Spruce St, Aurora, IL, 60506

4beds
2baths
1,560sqft
$230,000
$147price/sqft
$1,812/moest. monthly cost
$72,480/yrincome needed

About This Home

Unlock the potential of this 3-bedroom, 2-bathroom home featuring an additional bedroom in the basement, offering flexible living space for guests, a home office, or extended family. While the property requires significant updates and renovations, it presents an outstanding opportunity for investors, flippers, or buyers looking to create their dream home. The true value lies in its highly desirable location, making it an excellent investment with endless possibilities. Bring your vision and creativity to transform this property into something truly special.

Getting Around

83
WalkingVery Walkable
38
TransitSome Transit
69
BikeBikeable

Schools

6/10
6/10
Washington Middle SchoolGrades 6-82.4 mi
4/10
West Aurora High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1907

Materials

  • Foundation: Block,Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Partial

Bedroom2

  • Level: Second
  • Area: 120
  • Dimensions: 12X10

Bedroom3

  • Level: Second
  • Area: 132
  • Dimensions: 12X11

Bedroom4

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

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

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,560 sqft

Kitchen

  • Level: Main
  • Area: 132
  • Dimensions: 12X11

Living Room

  • Level: Main
  • Area: 195
  • Dimensions: 15X13

Master Bedroom

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

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 1521276012
  • Special condition: None

Features

  • Stories: 2
  • Patio & porch: Deck

Lot

  • Lot size: 4,177 sqft
  • Lot size dimensions: 40X100

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
    Cold WaveVery High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Heat Wave
Inland Flooding
Lightning
Winter Weather

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 $1,163$13,956
Home Insurance *$102$1,224
Property Taxes $417$5,004
Electricity $130$1,569
Total$1,812$21,744
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,125/yr
40% on housing$54,360/yr
45% on housing$48,320/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: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$147This listing

vs Other Active Listings

Avg $/sqft

ZIP 60506$192
Kane County$213

vs Homes Sold Last Month

Median $/sqft

ZIP 60506$207
Kane County$207

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
2015-06-29Sold$139,000
2015-05-08Pending sale$139,000
2015-05-05Listed for sale$139,000
2015-03-11Pending sale$139,000
2014-12-18Price change$139,000
2014-11-18Price change$145,000
2014-09-08Price change$150,000
2014-08-27Listed for sale$155,000

For Sale by Agent

AgentAndrea Estrada
Brokeragejohn greene, Realtor

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