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13980 Austin St, Cedar Lake, IN, 46303

2beds
2baths
1,320sqft
$285,000
$216price/sqft
$1,967/moest. monthly cost
$78,680/yrincome needed

About This Home

Welcome to this move-in ready duplex in the Beacon Point East subdivision of Cedar Lake. Built in 2022, this single-level home offers a functional layout with low-maintenance living, including HOA-covered lawn care and snow removal. Home Features: 2 bedrooms, 2 full bathrooms 1,320 sq. ft. single-level layout Two-car garage with overhead storage Dedicated laundry room Covered back patio No direct neighbors behind the home Whirlpool kitchen appliances Culligan water softener and reverse osmosis system Conveniently located just minutes from Cedar Lake's main shopping areas, restaurants, Hanover Schools, and major roads.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

--
6/10
7/10

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Asphalt
  • Construction materials: masonry

Type & Style

  • Home type: Townhouse

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Tile

Heating & Cooling

  • Heating features: Other
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,320 sqft

Property

Details

  • Parcel number: 451527377026000014

Lot

  • Lot size: 6,534 sqft

Parking

  • Parking features: Garage - Attached

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 WaveVery High
  • Tornado
    TornadoVery High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Heat Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather
Tsunami

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 $1,441$17,292
Home Insurance *$122$1,464
Property Taxes $220$2,640
Electricity $184$2,212
Total$1,967$23,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,440/yr
40% on housing$59,010/yr
45% on housing$52,453/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$216This listing

vs Other Active Listings

Avg $/sqft

ZIP 46303$185
Lake County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 46303$168
Lake County$150

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
2026-07-28Listed for sale$285,000
2022-06-27Sold$238,830

For Sale by Owner

AgentProperty Owner

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