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11366 County Road 38, Millersburg, IN, 46543

2beds
1baths
1,807sqft
$299,000
$165price/sqft
$2,237/moest. monthly cost
$89,480/yrincome needed

About This Home

Enjoy peaceful country living on over one acre with the convenience of being just 10 minutes from city amenities. This 2-bedroom home offers the possibility of a 3rd bedroom and features main-level laundry, an outbuilding, fire pit, and a beautiful setting complete with cherry, apple, peach, and pear trees along with a strawberry patch. Numerous updates provide peace of mind, including a new roof, well, and water heater in 2020; septic system, wood-burning furnace, and mini split AC unit in 2026; pellet stove and windows in 2023; and new stove and dishwasher in 2025. Relax and enjoy the charm of country living with room to garden, entertain, or simply enjoy nature right in your own backyard. Driveway access is provided through an easement.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

7/10
7/10

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Washer,Dryer-Gas,Gas Range,Gas Water Heater,Water Softener Owned
  • Laundry features: Gas Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Partial,Block,Concrete

Bedroom1

  • Level: Main

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 132

Features

  • Main Level Bedroom Suite
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 1,807

Heating & Cooling

  • Heating features: Electric,Propane,Wood,Wall Furnace,Other,Multiple Heating Systems,Propane Tank Rented
  • Cooling features: Wall Unit(s),Window Unit(s)

Interior Area

  • Total structure area: 2,007
  • Total interior livable area: 1,807 sqft

Kitchen

  • Level: Main
  • Area: 144

Living Room

  • Level: Main
  • Area: 168

Property

Details

  • Parcel number: 201226200017.000007

Features

  • Levels: One and One Half
  • Stories: 1
  • Fencing: None

Lot

  • Lot size: 1.08 Acres
  • Features: Level,Rural
  • Lot size dimensions: 144x344

Parking

  • Total spaces: 1
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
Drought
Inland Flooding
Lightning
Winter Weather

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 $1,511$18,132
Home Insurance *$155$1,860
Property Taxes $387$4,644
Electricity $184$2,212
Total$2,237$26,844
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,697/yr
40% on housing$67,110/yr
45% on housing$59,653/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 4.6%
4.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$165This listing

vs Other Active Listings

Avg $/sqft

ZIP 46543
Elkhart County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 46543$119
Elkhart County$136

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
2026-07-27Price change$299,000
2026-07-06Price change$329,900
2026-06-09Listed for sale$359,900

For Sale by Agent

AgentMichael Howard
BrokerageHosler Realty Inc

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