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121 Indian Ridge Dr, Michigan City, IN, 46360

3beds
2baths
1,248sqft
$285,000
$228price/sqft
$2,051/moest. monthly cost
$82,040/yrincome needed

About This Home

Spacious 3-bedroom, 2-bath condo featuring new central air and furnace for year-round comfort. Enjoy maintenance-free living with a beautiful deck and awning overlooking a serene, peaceful view. Inside, you'll find newer flooring throughout, generously sized bedrooms, and a large living room perfect for relaxing or entertaining. This well-maintained home offers comfort, convenience, and plenty of space to enjoy.

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

5/10
Joy Elementary SchoolGrades PK-60.3 mi
5/10
3/10
Michigan City High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1996

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

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

Bedroom2

  • Area: 143
  • Dimensions: 13.0 x 11.0

Bedroom3

  • Area: 110
  • Dimensions: 11.0 x 10.0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Area: 140
  • Dimensions: 14.0 x 10.0

Features

  • Open Floorplan
  • Finished area above ground: 1,248

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 1,248
  • Total interior livable area: 1,248 sqft

Kitchen

  • Area: 100
  • Dimensions: 10.0 x 10.0

Living Room

  • Area: 224
  • Dimensions: 16.0 x 14.0

Primary Bedroom

  • Area: 216
  • Dimensions: 18.0 x 12.0

Property

Details

  • Parcel number: 460134302035000022
  • Special condition: None

Features

  • Levels: Two
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Features: Wooded

Parking

  • Total spaces: 1
  • Parking features: Attached,Driveway,Off Street,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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 WaveVery High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Winter Weather
Hail
Lightning
Strong Wind
Tsunami

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 $1,441$17,292
Home Insurance *$192$2,304
Property Taxes $234$2,808
Electricity $184$2,212
Total$2,051$24,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,320/yr
40% on housing$61,530/yr
45% on housing$54,693/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$228This listing

vs Other Active Listings

Avg $/sqft

ZIP 46360$175
LaPorte County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 46360$151
LaPorte County$138

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
2026-05-14Listed for sale$285,000
2014-05-09Sold$81,000
2014-04-02Pending sale$90,000
2013-11-20Listed for sale$90,000
2005-03-10Sold$102,900

For Sale by Agent

AgentTracey Cummins
BrokerageMcColly Real Estate

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