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$649,000

645 Surf Street, Chicago, IL 60657
2 Beds3 Baths0 sqft16 days
645 Surf Street·Chicago, IL 60657
2Bedrooms
3Bathrooms
0Sq Ft
1997Year Built
About This Home

Nestled on a quiet, tree-lined one-way stretch of Surf in prime southeast Lakeview, this beautifully updated duplex penthouse is an absolute gem. Filled with natural light, this distinctive 2-bedroom, 2.5-bath walk-up condo features newly refinished hardwood floors throughout, generous outdoor space, and a thoughtfully designed floor plan ideal for both entertaining and everyday living. The open-concept main level centers around a bright, modern kitchen with white cabinetry, granite countertops, stainless steel appliances, a large pantry, and an island with breakfast bar seating. There's also ample room for a full-size dining table, making the space as functional as it is inviting. The sunny living room is anchored by an inset fireplace flanked by beautiful custom built-ins, and opens seamlessly to a spacious private balcony overlooking the treetops. A rare main-level powder room adds both convenience and practicality for guests. Upstairs, you'll find two well-appointed bedrooms, including a welcoming primary suite with a spacious walk-in closet and an en-suite bathroom with a rare skylight. Both full bathrooms have been beautifully renovated with custom tile work and stylish cabinetry. Completing this unique home are central heat and AC, in-unit laundry, extra private storage, bike storage and a secure, dedicated garage parking space included in the price. Low assessments! All of this in an unbeatable Lakeview location, just moments from Lincoln Park, the lakefront and park, Belmont Harbor, Diversey driving range, Trader Joe's (just a block south) and an endless amount of wonderful restaurants and shops along Broadway, Clark and Diversey. Be sure to check out the 3D Matterport Walkthrough via the Virtual Tour link!

MLS# 12691609Listed July 7, 2026Residential
Property Details

Beds & Baths

Total Bedrooms2
Total Bathrooms3
Full Baths2
Half Baths1
Total Rooms5

Size & Structure

Living Area0 sqft
Stories4
Garage Spaces1
Fireplaces1
Year Built1997
Lot SizeCOMMON

Location

CountyCook
TownshipJefferson
Zip Code60657

Financial

List Price$649,000
Annual Taxes (2024)$8,872
Monthly Tax Est.$739
Parcel #14281200391004
Interior Features

Appliances

RangeMicrowaveDishwasherRefrigeratorWasherDryerStainless Steel Appliance(s)

Flooring

Hardwood

Heating

Natural GasForced Air

Cooling

Central Air

Basement

None

Laundry

Washer HookupIn Unit

Fireplace

Gas Log
Exterior & Lot

Construction

Brick

Lot Features

Common Grounds
Utilities & Parking

Sewer

Public Sewer

Water Source

Lake Michigan

Parking

YesGarage OwnedAttachedGarage
HOA & Community
HOA Fee
$340
Monthly

HOA Includes

WaterInsuranceTV/CableExterior MaintenanceLawn CareScavengerSnow Removal
Schools
Elementary
Nettelhorst Elementary School
District: 299
High School
Lake View High School
District: 299
Tax & Financial
Annual Taxes
$8,872
Tax Year 2024
Monthly Tax Est.
$739
per month
Property Location

645 Surf Street, Chicago, IL 60657 — Cook County

$649,000
645 Surf Street
2 bd3 ba0 sqft
VL
Vittoria Logli
Top Glenview Agent

IL License 475.178467 · (847) 810-8438

Quick Facts
16 days on market
1-car garage
1 fireplace
COMMON
$8,872/yr taxes
$340 HOA (monthly)
$4,490
estimated monthly payment
Principal & Interest
$3,411/mo
Property Tax
$739/mo
HOA
$340/mo
$649,000
20% — $129,800
3%50%
6.875%
3%12%
Loan Amount
$519,200
Down Payment
$129,800

* Estimated payment only. Actual rates, taxes, and insurance may vary. Contact a lender for a personalized quote.

Listed by
Cadence Realty
Agent: Brady Miller
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Listing Courtesy: MRED as distributed by MLS GRID | @properties Christie's International Real Estate

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