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818 Gullet Ave, Garrett, IN, 46738

4beds
3baths
2,112sqft
$399,900
$189price/sqft
$2,673/moest. monthly cost
$106,920/yrincome needed

About This Home

This two story PHOENIX plan from Kiracofe Homes in Saddle Ridge offers open concept living and well-appointed finishes in the heart of Garrett. The 4 bedroom, 2.5 bath plan includes a kitchen and dining area with an eat-in island, spacious pantry and stone countertops. The main level primary bedroom features an en suite bath with an upgraded tile shower, double sink vanity and walk-in closet. This sunroom was added for additional space, a den and powder room round out the main floor living features. Upstairs, three bedrooms and another full bath provide ample living space with walk-in closets of each bedroom. A two-car garage with programmable keypad entry provides more storage and convenience. Energy-efficient mechanicals and batt and spray foam insulation ensure year-round comfort and a quiet interior. Kiracofe Homes offers peace of mind with a one-year builder warranty. Don't miss your chance to live in a new home in one of Garrett's newest subdivisions.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

3/10
4/10
Garrett Middle SchoolGrades 6-80.9 mi
5/10
Garrett High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 2026

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Range/Oven Hk Up Gas/Elec,Dishwasher,Microwave,Refrigerator,Gas Range,Gas Water Heater
  • Laundry features: Electric Dryer Hookup,Main Level

Basement

  • Basement: None,Concrete

Bedroom1

  • Level: Main

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 112

Features

  • 1st Bdrm En Suite,Walk-In Closet(s),Laminate Counters,Countertops-Solid Surf,Open Floorplan,Main Level Bedroom Suite
  • Flooring: Carpet,Vinyl
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,112

Heating & Cooling

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

Interior Area

  • Total structure area: 2,112
  • Total interior livable area: 2,112 sqft

Kitchen

  • Level: Main
  • Area: 168

Living Room

  • Level: Main
  • Area: 225

Office

  • Level: Main
  • Area: 132

Property

Details

  • Parcel number: 170534301038.000013

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Has view: Yes
  • On waterfront: Yes
  • Waterfront features: Waterfront,Assoc,Pond

Lot

  • Lot size: 0.25 Acres
  • Features: Landscaped
  • Lot size dimensions: 184x190x121x64

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Garage Utilities,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 WindVery High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Hail
Inland Flooding
Tornado
Cold Wave
Lightning
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 $2,022$24,264
Home Insurance *$255$3,060
Property Taxes $203$2,436
Electricity $193$2,323
Total$2,673$32,076
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,645/yr
40% on housing$80,190/yr
45% on housing$71,280/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 4.6%
4.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 46738$148
DeKalb County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 46738$138
DeKalb County$152

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
2026-02-17Listed for sale$399,900
2026-02-16Listing removed$398,760
2025-11-20Pending sale$398,760

For Sale by Agent

AgentErin Poiry
BrokerageMike Thomas Assoc., Inc

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