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1650 Charlotte Cir , Naperville, IL 60564
$515,000
Est. Payment: $2,782.12/mo
3 Bed
4 Bath
1880 Sqft
0.2 Acres
Status: closed | Days on site: 25
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22076 - 229003,254974,255015
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from IDX Support, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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House Description

Welcome to 1650 Charlotte Circle, where thoughtful updates, spacious living, and an exceptional outdoor setting come together in one of Napervilles most desirable neighborhood. Situated on the largest lot in the subdivision, this beautifully maintained 4-bedroom, 2.2-bath residence offers over $50,000 in recent upgrades, providing peace of mind and true move-in-ready convenience. Step inside to discover a warm and inviting floor plan designed for both everyday living and entertaining. The heart of the home is the updated kitchen, featuring granite countertops, crisp white cabinetry, stainless steel appliances, a stylish new backsplash (2026), and waterproof flooring (2026). The kitchen flows directly into the family room that offers a gas fire place and stunning views of the pond backyard. The main level also includes a dining room off the kitchen and leading to a formal living room. Upstairs, you'll find three generously sized bedrooms, including a spacious primary suite with a private ensuite bath featuring dual vanities, a soaking tub, and a separate walk-in shower. Two additional bedrooms share a full bathroom with newer Quartz counters, and light fixtures. The finished basement provides even more versatile living space with a fourth bedroom, an additional half bath, and endless possibilities for a recreation room, home office, gym, or guest retreat. Outside, you'll fall in love with the backyard. As the largest lot in the subdivision, this fully fenced yard offers exceptional space to play, entertain, or unwind. Enjoy peaceful pond views from the expansive wood deck, freshly painted in 2026, creating the perfect setting for summer barbecues, morning coffee, or relaxing evenings outdoors. This home has been meticulously maintained with over $50,000 in recent improvements, including a new roof (2023), gutters (2023), furnace (2023), air conditioner (2024), water heater (2022), newer carpet, newer interior and exterior paint, freshly painted deck (2026), waterproof kitchen flooring (2026), garage door opener (2026), updated lighting (2026), and kitchen backsplash (2026)-allowing you to move in with confidence knowing the major updates have already been completed. Award winning District 204 School's and ideally located just minutes from parks, shopping and dining on Route 59 and Eola, and all that Naperville has to offer.
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Highlights

Listed by Moin Haque , 630-518-0806 and Eabad Haque , (630) 788-7512 Coldwell Banker Realty , 630-954-4600. Midwest Real Estate Data mls logo

Property Type

Residential
Lot/Acreage
0.2

Year Built

1996

County

DuPage

Area

Naperville

 School District

204

Listing ID

12704991

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:2
Appliances:Range, Microwave, Dishwasher, Washer, Dryer, Humidifier, Ceiling Fan(s),Fan-Attic Exhaust,Sump Pump,Backup Sump Pump;,Water Heater-Gas
Air Cond:Central Air
Fireplaces:Gas Log
Floor:Laminate
Below Ground Sq Ft:1096
Basement:Finished,Full
Other:
  • ▪ Additional:Vaulted Ceiling(s), Walk-In Closet(s)
Water:Public

Exterior Features

Lot:Pond,Waterfront
Lot Dimensions:87x105
Garage Capacity:6
Roof:Shake
Others:
  • ▪ Additional:Balcony
Sewer:Public Sewer
Parking Features:Asphalt,Garage Door Opener,Yes,Garage Owned,Attached,Owned,Garage
Principal Interest
$2,782
Taxes
$847

Home Price

$515,000

Loan Details

30 yrs
7.148%

Down Payment

20%
$103,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,782.12

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,782.12 $846.75 $0.00 $3,628.87
Yearly $33,385.43 $10,161.00 $0.00 $43,546.43
Total $1,001,562.89 $304,830.00 $0.00 $1,306,392.89
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Naperville, IL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information submitted to the MRED as of the date listed below. All data is obtained from various sources and has not been, and will not be, verified by broker or MRED. MRED supplied Open House information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers' personal non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by MTP or MRED. The use of the MRED Data may be subject to an end user license agreement prescribed by the Member Participant's applicable MLS if any and as amended from time to time.

Based on information submitted to the MLS GRID as of the date listed below. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers' personal non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, that the data is deemed reliable but is not guaranteed by MLS GRID, and that the use of the MLS GRID Data may be subject to an end user license agreement prescribed by the Member Participant's applicable MLS if any and as amended from time to time. MLS GRID may, at its discretion, require use of other disclaimers as necessary to protect Member Participant, and/or their MLS from liability. Some listings have been excluded from this website.

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Data last updated: 2026-11-02T19:27:07.000Z

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