645 W Surf Street # A4 Chicago, IL $ 649,000
645 W Surf Street # A4
$ 649,000
Recently Listed
Open House 7/12 11:30am - 1:30pm
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645 W Surf Street # A4

Chicago, IL, 60657
$ 649,000
Bedrooms2 Baths2.1

Monthly Estimate*

$ 4,098

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Condo for sale in Chicago, IL

for $649,000 with 2 bedrooms and 2 full baths, 1 half bath. This condo was built in 1997.

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. The second bedroom easily accommodates guests, a home office, or both. 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, 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!

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Open House

7/12/2026 11:30 AM - 1:30 PM
645 W Surf Street # A4 Chicago, IL
* Some states or local ordinances may prohibit Open Houses at this time, please confirm with your Weichert agent or local rep to confirm

Condo Active

Price

$ 649,000

Bedrooms

2

Full Bath

2

Half Bath

1

Property Type

Condo

Taxes

$ 8,871

Style

Condo,Condo-Duplex

Year Built

1997

Town/City

Chicago

County/Region

Cook

MLS | Web ID

12691609

Features
General
Living Area 0
Sewer Public Sewer
Heating Natural Gas Forced Air
Cooling Central Air
Possession Closing
Appliances Range Microwave Dishwasher Refrigerator Washer Dryer Stainless Steel Appliance(s)
HOA Fee 340
Garage Spaces 1
Association Fee Includes Water Insurance TV/Cable Exterior Maintenance Lawn Care Scavenger Snow Removal
Construction Materials Brick
Pets Allowed Cats OK Dogs OK
Year Built 1997
Township Jefferson
Unit Number A4
Tax Year 2024
Ownership Condo
Assoc Fee Paid Per Monthly
County Cook
New Construction N
Property Type Residential Attached Single
Total Rooms 5
Full Baths 2
Status New
Directions Clark to Surf Surf is one-way east corner of Surf
High School Lake View High School
City Chicago
High School District 299
MLS Area CHI - Lake View
Elementary School Nettelhorst Elementary School
Tax Annual Amount 8871.52
Virtual Tour https://my.matterport.com/show/?m=rHFrxT5EeAs&brand=0&mls=1&
Standard Status Active
Middle/Junior School District 299
Elementary School District 299
Sub Type Condo Condo-Duplex
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Interior
Interior Amenities Cathedral Ceiling(s)
Basement None
Flooring Hardwood
Total Fireplaces 1
Fireplace Features Gas Log
Total Stories 4
Half Baths 1
Laundry Features Washer Hookup In Unit
Total Bedrooms 2
Room Type Balcony/Porch/Lanai Walk In Closet
Total Baths 3
Bedrooms Possible 2
Total Number of Units 9
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Exterior
Parking Features Yes Garage Owned Attached Garage
Lot Features Common Grounds
Water Source Lake Michigan
Total Parking 1
Lot Dimensions COMMON
Waterfront Y/N N
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* Excluded Features
List By
Cadence Realty

Broker

brady@cadence-realty.com

Email

Affordability Calculator

$4,837
Per Month
85%
15%
0%
Monthly Principal & Interest
$4,098
Monthly Property Taxes
$739
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
568142 Elementary School
566846 Middle School
Lake View High School High School
Pricing History
DatePricePrice ChangeDescription
7/7/2026$649,000 Listed Price

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645 W Surf Street # A4, Chicago, IL, 60657 is a Condo for sale at $649,000. 645 W Surf Street # A4 has 2 bedrooms, 2.1 baths, and was built in 1997. The property's zip code is 60657 which is in Chicago, IL