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Single Family ResidenceResidential
$456,392$318 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

640 4TH ST

LEMONT, IL 60439
3
Beds
2.5
Baths
1,434 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.48 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
Year BuiltThe year the home was originally built, according to county records.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$456K
$407K low$506K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$56,892
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$45,514
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.93%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$200,000
COMMUNITY BANK OF LEMONT · recorded Jan 7, 2005
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$199,500
HLP MORTGAGE LLC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,000 (2023)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$37,001 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,605
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$23,396
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$37,001
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$370,010

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.42
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
72
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
74
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
45
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyCOOK
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1988
Lot (acres)The size of the land the home sits on, from county records.0.48
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Lemont Township High SchoolA+
High · Grades 9–12 · 0.8 mi
E
Oakwood School
Elementary · Grades PK–1 · 0.8 mi
M
Old Quarry Middle SchoolA+
Middle · Grades 6–8 · 1.7 mi

District: Lemont Township High School District 210

Neighborhood · ZIP 60439These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.38
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.108
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.50

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.25,154
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.776 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$127,381
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$151,623
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

640 4th St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 74% of homes in Lemont 60439
  • Costs more per square foot than 82% of homes in Lemont 60439
  • Smaller than 80% of homes in Lemont 60439
  • Has a bigger lot than 82% of homes in Cook County
  • Newer than 80% of homes in Cook County

What homes are worth in Lemont 60439

Each bar is how many homes fall in that price range. The marker is this home.

This home
$266K$1.2M

This home is worth more than 26% of homes in Lemont 60439.

How it measures up in Lemont 60439

The dot is this home. The mark in the middle is the typical home in Lemont 60439.

Estimated value$456,392
CheaperTypical $602,487Pricier

Pricier than 26% of homes nearby

Price per ft²$318
CheaperTypical $261Pricier

Pricier than 82% of homes nearby

Living area1,434 ft²
SmallerTypical 2,299 ft²Bigger

Bigger than 20% of homes nearby

Lot size0.48 ac
SmallerTypical 0.28 acBigger

Bigger than 73% of homes nearby

Year built1985
OlderTypical 1993Newer

Newer than 34% of homes nearby

How 640 4th St ranks against every home in each area.
MeasureThis homeLemont 60439Cook County
Estimated valuepricier than$456,39226% of homes71% of homes
Price per ft²pricier than$31882% of homes74% of homes
Living areabigger than1,434 ft²20% of homes49% of homes
Lot sizebigger than0.48 ac73% of homes82% of homes
Year builtnewer than198534% of homes80% of homes

About 640 4th St

How much is 640 4th St, Lemont, IL worth?

The TopHap Estimate for 640 4th St, Lemont, IL is $456,392 as of Jul 14, 2026. The likely range is $406,648 to $506,136. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 4th St, Lemont, IL last sell?

640 4th St, Lemont, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 640 4th St, Lemont, IL?

640 4th St, Lemont, IL has 3 bedrooms, 2.5 bathrooms, 1,434 square feet of living space and a 0.48-acre lot.

When was 640 4th St, Lemont, IL built?

640 4th St, Lemont, IL was built in 1985, making it 41 years old. It is a split level home.

What schools serve 640 4th St, Lemont, IL?

640 4th St, Lemont, IL is assigned to Lemont Township High School (high), rated A+; Oakwood School (elementary); Old Quarry Middle School (middle), rated A+. All sit in Lemont Township High School District 210. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 4th St, Lemont, IL compare to other homes in Lemont 60439?

Among the 9,043 homes in Lemont 60439, it is worth more than 26% of them ($456,392 against a typical $602,487), its price per square foot is higher than 82% of them ($318 against a typical $261), it is bigger than 20% of them (1,434 ft² against a typical 2,299 ft²), its lot is bigger than 73% of them (0.48 ac against a typical 0.28 ac) and it is newer than 34% of them (1985 against a typical 1993). Measured against all of Cook County, it is worth more than 71% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 640 4th St, Lemont, IL?

The 2023 property tax bill for 640 4th St, Lemont, IL was $7,000. The county assessed it at $37,001.

Closest homes

More homes in Lemont 60439

Assigned schools

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