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232 W Bay Bridge Ct, Columbia City, IN, 46725

4beds
3baths
2,531sqft
$369,900
$146price/sqft
$2,903/moest. monthly cost
$116,120/yrincome needed

About This Home

Check out this beautiful home located in Cambridge Crossing! This fantastic neighborhood is perfect for walks, and conveniently located to shopping, dining, US 30, and everything Columbia City has to offer. This 4 bedroom, 2.5 bathroom home offers over 2,500 finished square feet including a finished basement, 3-car garage, and a large fenced in backyard with plenty of space to relax or entertain. Inside, you’ll love the updated finishes of bamboo flooring, quartz countertops, and added smart home features including smart lighting and a security system. The basement is a great additional entertainment space for hosting and has a 100+ inch projector...the perfect place to watch your favorite team or movie! The basement also includes a large office space that is functional and versatile for all your needs. This home offers a great blend of comfort, function, and modern updates in an ideal location!

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

5/10
8/10
Columbia City High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 2016

Materials

  • Roof: Shingle
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Range/Oven Hook Up Elec,Range/Oven Hook Up Gas,Dishwasher,Microwave,Refrigerator,Washer,Gas Range,Gas Water Heater,Water Softener Owned
  • Laundry features: Electric Dryer Hookup

Basement

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

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 121

Family Room

  • Level: Basement
  • Area: 247

Features

  • Breakfast Bar,Ceiling-9+,Tray Ceiling(s),Ceiling Fan(s),Walk-In Closet(s),Laminate Counters,Stone Counters,Entrance Foyer,Kitchen Island,Open Floorplan,Pantry,Double Vanity,Wiring-Smart Home,Tub/Shower Combination
  • Flooring: Carpet,Other
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Gas Log,Vented
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Finished area below ground: 694
  • Finished area above ground: 1,837

Heating & Cooling

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

Interior Area

  • Total structure area: 2,711
  • Total interior livable area: 2,531 sqft

Kitchen

  • Level: Main
  • Area: 360

Living Room

  • Level: Main
  • Area: 285

Office

  • Level: Basement
  • Area: 132

Property

Details

  • Parcel number: 920602425019.000004
  • Zoning: R3
  • Other equipment: Home Theater

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio,Porch Covered
  • Fencing: Full,Privacy,Vinyl
  • Waterfront features: None

Lot

  • Lot size: 0.29 Acres
  • Features: Level,City/Town/Suburb,Landscaped,Near Walking Trail
  • Lot size dimensions: 75X145X78X160

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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Heat Wave
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 $1,870$22,440
Home Insurance *$224$2,688
Property Taxes $577$6,924
Electricity $232$2,784
Total$2,903$34,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,531/yr
40% on housing$87,090/yr
45% on housing$77,413/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: 9.2%
9.2%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$146This listing

vs Other Active Listings

Avg $/sqft

ZIP 46725$141
Whitley County$133

vs Homes Sold Last Month

Median $/sqft

ZIP 46725$155
Whitley County$146

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
2026-08-07Price change$359,900
2026-07-30Price change$369,900
2026-07-21Price change$379,900
2026-06-25Price change$389,900
2026-06-03Listed for sale$399,900

For Sale by Agent

AgentKristin Sheckler
BrokerageKeller Williams Realty Group

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