4807 Clearwater Ln, Naperville, IL, 60564
About This Home
Welcome to this beautifully maintained home in the highly sought-after Saddle Creek community of Naperville. Located within award-winning Indian Prairie School District 204, this home feeds into Neuqua Valley High School-a major draw for buyers. This spacious home offers 3 bedrooms plus a versatile loft, providing the perfect opportunity for a potential 4th bedroom, along with a dedicated main-level home office-ideal for remote work or a quiet study space. The home features 3.5 bathrooms, offering convenience and comfort throughout. The main living areas are filled with natural light, enhanced by skylights throughout the home, including in the primary suite, creating a bright and airy retreat. The functional layout is designed for both everyday living and entertaining, while the finished basement adds valuable additional living space-perfect for a recreation room, home gym, or media area. Situated on an oversized lot of over 10,000 square feet, the backyard offers exceptional outdoor space-ideal for entertaining, gardening, or simply enjoying the outdoors with room to grow. Conveniently located approximately 10-15 minutes from downtown Naperville, where you can enjoy the Riverwalk, boutique shopping, dining, and community events. Easy access to Interstate 88 and Interstate 55 makes commuting simple and efficient. Don't miss your opportunity to own a well-appointed home in one of Naperville's most desirable communities!
Getting Around
Car-Dependent
Minimal Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1996
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range,Microwave,Dishwasher,Refrigerator,Gas Water Heater
- Laundry features: Main Level,Gas Dryer Hookup
Basement
- Has basement: Yes
- Basement: Finished,Full
Bedroom2
- Features: Flooring (Carpet)
- Level: Second
- Area: 132
- Dimensions: 11X12
Bedroom3
- Features: Flooring (Carpet)
- Level: Second
- Area: 168
- Dimensions: 12X14
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Dining Room
- Features: Flooring (Carpet)
- Level: Main
- Area: 168
- Dimensions: 12X14
Family Room
- Features: Flooring (Hardwood),Window Treatments (Skylight(s))
- Level: Main
- Area: 432
- Dimensions: 18X24
Features
- Vaulted Ceiling(s),1st Floor Bedroom,Walk-In Closet(s),Separate Dining Room,Pantry
- Window features: Skylight(s)
- Flooring: Hardwood
- Number of fireplaces: 1
- Fireplace features: Wood Burning,Family Room
- Fireplace: Yes
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 0
- Total interior livable area: 2,385 sqft
Kitchen
- Features: Kitchen (Island,Pantry-Closet),Flooring (Hardwood)
- Level: Main
- Area: 320
- Dimensions: 16X20
Laundry
- Features: Flooring (Hardwood)
- Level: Main
- Area: 48
- Dimensions: 6X8
Living Room
- Features: Flooring (Carpet)
- Level: Main
- Area: 252
- Dimensions: 14X18
Loft
- Features: Flooring (Carpet)
- Level: Second
- Area: 288
- Dimensions: 16X18
Master Bedroom
- Features: Flooring (Carpet),Bathroom (Full,Double Sink,Tub & Separate Shwr)
- Level: Second
- Area: 288
- Dimensions: 16X18
Property
Accessibility
- Accessibility features: No Disability Access
Details
- Parcel number: 0701154010180000
- Special condition: Home Warranty
- Other equipment: Ceiling Fan(s),Sump Pump,Backup Sump Pump;
Features
- Stories: 2
Lot
- Lot size: 10,125 sqft
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
- Inland Flooding
- 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 | $3,109 | $37,308 |
| Home Insurance * | $187 | $2,244 |
| Property Taxes | $1,076 | $12,912 |
| Electricity | $183 | $2,201 |
| Total | $4,555 | $54,660 |
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 |
|---|---|---|
| 2026-05-03 | Price change | $649,000 |
| 2026-04-09 | Listed for sale | $650,000 |
| 2005-05-09 | Sold | $402,000 |
| 1996-10-09 | Sold | $221,000 |
| 1995-11-29 | Sold | $61,000 |
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