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2029 S Michigan St, South Bend, IN, 46613

4beds
3baths
1,680sqft
$175,000
$104price/sqft
$1,646/moest. monthly cost
$65,840/yrincome needed

About This Home

Bring your vision to this high-potential, multi-use property situated in a high-visibility, sought-after corridor. Offering a rare "live-work-earn" layout, the building features two distinct storefronts with large display windows and a spacious residential suite. The property is further enhanced by a massive attached outbuilding, ideal for a workshop, storage, or creative studio. Please note: This property is being sold strictly in "As-Is" condition and requires TLC to reach its full potential. This is a premier opportunity for a savvy contractor, developer, or investor looking to sweat equity their way into a high-demand district. Whether you aim to restore its historic charm or modernize it into a flagship commercial hub, the bones and the location are all there. Tap into three potential revenue streams and transform this diamond in the rough into a cornerstone of the neighborhood. Cash or renovation financing preferred.

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
58
BikeBikeable

Schools

4/10
Monroe Elementary SchoolGrades K-50.7 mi
4/10
Jackson Middle SchoolGrades 6-82.1 mi
3/10
Riley High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1915

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 182

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,680

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 2,520
  • Total interior livable area: 1,680 sqft

Kitchen

  • Level: Main
  • Area: 144

Living Room

  • Level: Main
  • Area: 289

Property

Details

  • Parcel number: 710813355008.000026

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 7,840 sqft
  • Features: Level
  • Lot size dimensions: 48X165

Parking

  • Total spaces: 6
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6

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 WaveModerate

How This Home’s Risks Compare

Cold Wave

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 $884$10,608
Home Insurance *$230$2,760
Property Taxes $348$4,176
Electricity $184$2,212
Total$1,646$19,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,434/yr
40% on housing$49,380/yr
45% on housing$43,893/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$104This listing

vs Other Active Listings

Avg $/sqft

ZIP 46613$56
St. Joseph County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 46613$101
St. Joseph County$131

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
2026-06-02Listed for sale$175,000
2010-03-23Sold$62,000

For Sale by Agent

AgentEric M Bomkamp
BrokerageIrish Realty

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