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977 N West Hamilton Rd, Fort Wayne, IN, 46814

3beds
3baths
1,832sqft
$264,900
$145price/sqft
$1,951/moest. monthly cost
$78,040/yrincome needed

About This Home

Great opportunity to purchase an income earning Townhome. Tenants enjoy the maintenance free living of this two-story townhome available within the Southwest Allen County School system. This Townhome offers 1832 sq ft, 3 Bedrooms, and 2.5 Bathrooms. Inside are on trend colors and plenty of natural light to go with the 9' ceilings and luxury LVP throughout the main level. A spacious foyer will either lead you to the open concept great room and kitchen featuring an island and stainless-steel appliances or upstairs to the small loft area. The slider off the breakfast nook opens to a spacious patio with a partial pond view. Privacy fences separate the units. Upstairs are 3 spacious bedrooms, the laundry room (Speed Queen washer and dryer included). The primary bedroom features a counter high vanity, shower unit, and large walk-in closet. The two other bedrooms share the guest bathroom that features a separate room for the toilet and tub/shower. Other great inclusions on this property are the EV charger in the garage, and the property is pre-wired for smart home capabilities, including lights, security, garage doors, thermostat and has a keyless entry. Current Lease is signed through May 31, 2027. Rent price includes the monthly HOA fees.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
25
BikeSomewhat Bikeable

Schools

7/10
7/10
Woodside Middle SchoolGrades 6-81.5 mi
10/10

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Dimensional Shingles
  • Construction materials: Stone,Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Architectural style: Traditional
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Walk-In Closet(s),Countertops-Solid Surf,Kitchen Island,Open Floorplan,Pantry,Double Vanity,Wiring-Smart Home
  • Flooring: Carpet,Vinyl Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,832

Heating & Cooling

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

Interior Area

  • Total structure area: 1,832
  • Total interior livable area: 1,832 sqft

Property

Details

  • Parcel number: 021105225017.000038
  • Zoning: R2

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Fencing: None

Lot

  • Lot size: 3,920 sqft
  • Features: Level,City/Town/Suburb,Near Walking Trail,Landscaped
  • Lot size dimensions: 24x114

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Off Street,Off Street Parking,Garage Door Opener,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Lightning
Winter Weather

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 $1,339$16,068
Home Insurance *$111$1,332
Property Taxes $317$3,804
Electricity $184$2,212
Total$1,951$23,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,891/yr
40% on housing$58,530/yr
45% on housing$52,026/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: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 5.1%
5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$145This listing

vs Other Active Listings

Avg $/sqft

ZIP 46814$192
Allen County$137

vs Homes Sold Last Month

Median $/sqft

ZIP 46814$149
Allen County$139

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$264,900

For Sale by Agent

AgentMatthew Schrader
BrokerageRegan & Ferguson Group

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