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1637 Kemble Ave, South Bend, IN, 46613

5beds
2baths
2,394sqft
$290,000
$121price/sqft
$2,272/moest. monthly cost
$90,880/yrincome needed

About This Home

Established convenience store on a busy corner within an active redevelopment area. This solid 2-story brick property offers a versatile mixed-use layout. The main floor features the operating grocery/convenience store plus 3 additional rooms that can be used for office, storage, or expansion needs. SOLD AS-IS The second level includes generous living quarters with 5 bedrooms, a living room, an eat-in kitchen, and a full bathroom—ideal for on-site management or additional rental income. Property also includes a basement for storage, a double-fenced lot, and a recently updated detached 2-car garage. Square footage is approximate and provided by the seller. Excellent opportunity with strong visibility and future upside.

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

--
Studebaker Primary CenterGrades PK-121.2 mi
3/10
Riley High SchoolGrades 9-121.1 mi
4/10
Monroe Elementary SchoolGrades K-51.4 mi

Construction

Condition

  • Year built: 1956

Materials

  • Foundation: Basement
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Laminate Counters,Eat-in Kitchen
  • Flooring: Concrete
  • Finished area below ground: 0
  • Finished area above ground: 2,394

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 3,694
  • Total interior livable area: 2,394 sqft

Property

Details

  • Parcel number: 710814331027.000026

Features

  • Levels: Bi-Level
  • Stories: 2
  • Fencing: Fenced

Lot

  • Lot size: 0.25 Acres
  • Features: Corner Lot,0-2.9999
  • Lot size dimensions: 66x165

Parking

  • Parking features: Off Street Parking

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
  • Hail
    HailRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Tornado
Inland Flooding
Lightning
Strong Wind
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 $1,466$17,592
Home Insurance *$382$4,584
Property Taxes $205$2,460
Electricity $219$2,633
Total$2,272$27,264
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,897/yr
40% on housing$68,160/yr
45% on housing$60,586/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

$121This listing

vs Other Active Listings

Avg $/sqft

ZIP 46613$54
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
2026-01-19Price change$300,000
2025-11-18Listed for sale$325,000

For Sale by Agent

AgentKavita M Patel
BrokerageMcKinnies Realty, LLC Elkhart

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