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28878 Bernice Dr, Elkhart, IN, 46517

3beds
2baths
2,266sqft
$525,000
$232price/sqft
$3,470/moest. monthly cost
$138,800/yrincome needed

About This Home

MOTIVATED SELLERS!!!!!THIS 2 YEAR NEW HOME IS READY FOR YOU!!! This sprawling Ranch offers 3 bedrooms, 2 baths, open concept, Laundry all on the Main Level. The kitchen features stunning white cabinetry with the black quartz counters and large island, walk-in pantry, white tiled backsplash to go with any decor....This beautiful home has open stairs to the finished family room with large daylight windows in the lower level. There is a possible 4th bedroom, framed with egress window, and a future 3rd bath all plumbed. The sellers added insulation to the 3 stall garage with drywall, landscaped complete with irrigation. This home has the location you have been waiting for and the space, come and tour to see your new home!!

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

8/10
9/10
4/10
Jimtown High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 2023

Materials

  • Construction materials: Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Microwave,Refrigerator,Gas Range,Gas Water Heater,Tankless Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Daylight,Full,Partially Finished

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 70

Family Room

  • Level: Lower
  • Area: 621

Features

  • 1st Bdrm En Suite,Breakfast Bar,Ceiling-9+,Ceiling Fan(s),Stone Counters,Eat-in Kitchen,Entrance Foyer,Kitchen Island,Open Floorplan,Pantry,Split Br Floor Plan,Double Vanity,Stand Up Shower,Tub/Shower Combination,Main Level Bedroom Suite,Great Room
  • Window features: Window Treatments
  • Flooring: Hardwood,Laminate
  • Fireplace features: None
  • Finished area below ground: 453
  • Finished area above ground: 1,813

Heating & Cooling

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

Interior Area

  • Total structure area: 3,626
  • Total interior livable area: 2,266 sqft

Kitchen

  • Level: Main
  • Area: 108

Living Room

  • Level: Main
  • Area: 306

Property

Details

  • Parcel number: 200524305014.000001

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Porch Covered
  • Exterior features: Irrigation System

Lot

  • Lot size: 0.48 Acres
  • Features: Level,Rural Subdivision,Landscaped

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener,Concrete
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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 WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Hail
Tornado
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 $2,654$31,848
Home Insurance *$251$3,012
Property Taxes $358$4,296
Electricity $207$2,492
Total$3,470$41,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,971/yr
40% on housing$104,100/yr
45% on housing$92,533/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

$232This listing

vs Other Active Listings

Avg $/sqft

ZIP 46517$128
Elkhart County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 46517$151
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
2026-03-07Price change$535,000
2026-02-23Price change$539,900
2026-02-12Price change$544,900
2025-12-14Listed for sale$549,900
2023-08-02Listing removed--
2023-05-21Pending sale$416,762
2023-05-12Listed for sale$416,762

For Sale by Agent

AgentToni Bontrager
BrokerageBerkshire Hathaway HomeServices Elkhart

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