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526 Kamm Island Pl #12, Mishawaka, IN, 46544

4beds
4baths
2,947sqft
$749,900
$254price/sqft
$5,149/moest. monthly cost
$205,960/yrincome needed

About This Home

Enjoy sweeping views of the St. Joe River from your own oversized, luxury townhouse! 526 Kamm Island is one of only a few townhomes in all of Mishawaka that is ideally situated along the river, with stunning, unobstructed views and easy access to the parks, shopping, and dining of the Mishawaka Riverwalk. This spacious two-story townhome features an open-concept layout with hardwood floors, large windows, and a cozy gas fireplace. The gourmet kitchen offers a large island with bar seating and stainless steel appliances—perfect for entertaining. The main-floor primary suite overlooks the water and includes a spacious bath with garden tub, walk-in shower, and walk-in closet. Upstairs are three additional bedrooms with walk-in closets, including one with a private ensuite and balcony for relaxing river views. Recent updates include a new HVAC system and a 1-year-old water heater. A two-car attached garage and scenic riverside walking paths complete this exceptional riverfront opportunity.

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
69
BikeBikeable

Schools

2/10
Lasalle Elementary SchoolGrades PK-60.9 mi
5/10
4/10
Mishawaka High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 2009

Materials

  • Foundation: Slab
  • Construction materials: Cedar

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Washer,Gas Range,Gas Water Heater

Basement

  • Basement: Concrete

Bedroom1

  • Level: Main

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,947

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,947
  • Total interior livable area: 2,947 sqft

Property

Details

  • Parcel number: 710916129017.000023

Features

  • Levels: Two
  • Stories: 2
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront-Medium Bank,River Front,River
  • Waterbody name: St. Joe River Lower
  • Frontage length: Water Frontage(50)

Lot

  • Lot size: 2,178 sqft
  • Features: 0-2.9999
  • Lot size dimensions: 50x50

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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
    Cold WaveModerate

How This Home’s Risks Compare

Cold Wave

FEMA Declared Disasters Across Indiana Counties

Flood
Snowstorm

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

MonthlyAnnual
Mortgage $3,791$45,492
Home Insurance *$453$5,436
Property Taxes $635$7,620
Electricity $270$3,241
Total$5,149$61,788
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$176,537/yr
40% on housing$154,470/yr
45% on housing$137,306/yr

Indiana FAIR Plan Programs

Indiana Basic Property Insurance Underwriting Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 810Commercial: 30
Total Premiums$1.77M
Total Exposure$1.82M

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.

Insurance Growth Rate5-year average: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$254This listing

vs Other Active Listings

Avg $/sqft

ZIP 46544$105
St. Joseph County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 46544$137
St. Joseph County$131

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)

No zestimate history available

Price History

DateEventPrice
2026-05-11Price change$769,900
2026-03-09Listed for sale$789,900
2026-01-04Listing removed$2,995
2025-11-14Price change$2,995
2025-10-17Listed for rent$3,500
2020-04-02Sold$407,000
2020-02-06Listed for sale$439,900
2019-12-01Listing removed$450,000
2019-09-05Price change$450,000
2019-07-02Price change$499,900
2019-05-25Listed for sale$535,000
2015-10-09Sold$350,000
2015-04-26Price change$399,000
2015-04-12Listed for sale$425,000

For Sale by Agent

AgentStephen C Smith, Irish Realty, Brigid Beattie, Irish Realty
BrokerageIrish Realty

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