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51740 Melwood Ct, South Bend, IN, 46628

3beds
2baths
1,816sqft
$324,900
$179price/sqft
$2,375/moest. monthly cost
$95,000/yrincome needed

About This Home

OPEN HOUSE Saturday, August 22, 11am–1pm Bright, polished, and designed for easy everyday living, this Willowgate Trails ranch keeps the essentials on one level while offering room to spread out downstairs. The split-bedroom layout centers on a vaulted living room filled with natural light, with a sliding glass door opening to the rear deck and a broad backyard framed by mature trees and open field views. The eat-in kitchen was refreshed in July 2026 with painted white cabinetry, new hardware, marble-look laminate countertops, and a coordinating backsplash, complemented by stainless steel appliances, recessed lighting, and generous pantry storage. The spacious master suite includes a large walk-in closet and private bath with a walk-in shower and transom window, while the separate main-level laundry adds everyday convenience. Downstairs, the finished recreation room features recessed lighting, arched details, a gas fireplace with tiled hearth and surround, and a built-in corner workspace, with substantial unfinished storage, workshop, mechanical, and utility space beyond. Additional updates include flooring, furnace, and appliances in 2018, water heater in 2025, water softener in 2019, a new garage door in 2023, and fresh interior paint along with refreshed shutters and front door in 2025. PEX plumbing with a centralized manifold, city utilities, and an attached two-car garage complete the home. A potentially assumable FHA mortgage with an approximate $130,000 balance at 4.875% may be available to a qualified buyer, subject to lender approval and verification of all terms.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

3/10
Coquillard Primary CenterGrades PK-53.5 mi
4/10
2/10
Washington High SchoolGrades 9-124.5 mi

Construction

Condition

  • Year built: 2007

Materials

  • Roof: Composition,Dimensional Shingles
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range/Oven Hook Up Gas,Dishwasher,Microwave,Refrigerator,Gas Range,Gas Water Heater,Water Softener Owned
  • Laundry features: Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Concrete,Sump Pump

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Features

  • 1st Bdrm En Suite,Walk-In Closet(s),Eat-in Kitchen,Split Br Floor Plan,Stand Up Shower,Tub/Shower Combination,Main Level Bedroom Suite,Low Emittance Doors/Win
  • Door features: Insulated Doors
  • Window features: Double Pane Windows,Insulated Windows,Multi Pane Windows
  • Number of fireplaces: 1
  • Fireplace features: Basement,One,Heatilator
  • Fireplace: Yes
  • Finished area below ground: 400
  • Finished area above ground: 1,416

Heating & Cooling

  • Heating features: Natural Gas,Forced Air,High Efficiency Furnace
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,832
  • Total interior livable area: 1,816 sqft

Property

Details

  • Parcel number: 710317426030.000008
  • Zoning: R
  • Other equipment: Sump Pump

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck

Lot

  • Lot size: 9,583 sqft
  • Features: Cul-De-Sac,Level,0-2.9999,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener
  • 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
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado

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 $1,642$19,704
Home Insurance *$290$3,480
Property Taxes $259$3,108
Electricity $184$2,212
Total$2,375$28,500
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,428/yr
40% on housing$71,250/yr
45% on housing$63,333/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

$179This listing

vs Other Active Listings

Avg $/sqft

ZIP 46628$102
St. Joseph County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 46628$108
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)

Price History

DateEventPrice
2026-08-05Price change$319,900
2026-08-01Listed for sale$324,900
2026-07-23Listing removed$324,900
2026-07-18Listed for sale$324,900
2018-06-29Listing removed$169,500
2018-06-27Listed for sale$169,500

For Sale by Agent

AgentTim Burkey
BrokerageeXp Realty, LLC

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