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4186 Fort Ritner Rd, Bedford, IN, 47421

2beds
1baths
714sqft
$30,000
$42price/sqft
$393/moest. monthly cost
$15,720/yrincome needed

About This Home

Embrace the peace of a tranquil country setting in the 2 bedroom, 1 bath home nestled on a spacious, sun-drenched corner lot. Lead our daily life outdoors, starting mornings with a coffee on the lawn and spending afternoons casting a line or kayaking, thanks to your exceptional proximity to the scenic White River. Outside, the yard offers endless possibilities for gardening, entertaining, or expansion. A detached storage shed provides secure housing for your tools, lawn equipment, or outdoor water gear. Enjoy the ultimate blend of rural privacy and recreational convenience, with local amenities and river access just minutes from your front door. Opportunities for affordable country living near the water are rare. Schedule your private tour today to experience this serene setting in person!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

5/10
6/10
Bedford Middle SchoolGrades 7-812.8 mi

Construction

Condition

  • Year built: 1885

Materials

  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Electric Dryer Hookup

Basement

  • Basement: Crawl Space

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Window features: Double Pane Windows
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 714

Heating & Cooling

  • Heating features: Wood
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 714
  • Total interior livable area: 714 sqft

Kitchen

  • Level: Main
  • Area: 169

Living Room

  • Level: Main
  • Area: 247

Property

Details

  • Parcel number: 470915401026.000002

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 4,791 sqft
  • Features: Corner Lot,Rural
  • Lot size dimensions: 71x66

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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Winter Weather
Drought
Heat Wave
Inland Flooding
Lightning

FEMA Declared Disasters Across Indiana Counties

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado

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 $151$1,812
Home Insurance *$22$264
Property Taxes $36$432
Electricity $184$2,212
Total$393$4,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$13,474/yr
40% on housing$11,790/yr
45% on housing$10,480/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$42This listing

vs Other Active Listings

Avg $/sqft

ZIP 47421$135
Lawrence County$129

vs Homes Sold Last Month

Median $/sqft

ZIP 47421$132
Lawrence County$125

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
2026-07-27Listed for sale$30,000

For Sale by Agent

AgentDesiree L Johns
BrokerageWilliams Carpenter Realtors

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