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51683 Denison Dr, South Bend, IN, 46628

4beds
2baths
2,072sqft
$374,900
$181price/sqft
$2,684/moest. monthly cost
$107,360/yrincome needed

About This Home

New construction home in Willowgate Trails in the South Bend school district. This thoughtfully designed split-level home offers 2,072 square feet, 4 bedrooms, and 2 full baths with a layout that maximizes both shared living space and private retreats. The kitchen showcases desirable upgrades including quartz countertops, a tile backsplash, white cabinetry, and a complete stainless steel appliance package with refrigerator. Sliding glass doors off the great room lead to a 10x10 deck, creating an inviting outdoor living space that extends the home for relaxing or entertaining. The primary suite is privately positioned on the upper level and includes its own full bath and generous closet space. The lower level adds exceptional flexibility with a full rec room that can easily serve as an office, study area, or den. Three spacious bedrooms and an additional full bath provide comfortable accommodations, while a dedicated utility area includes a washer and dryer. Daylight windows bring in abundant natural light, making the lower level feel open and welcoming. RESNET energy smart construction will save an estimated $1,209 annually. Actual savings may vary; see HERS® Rating Certificate and Energy Smart Flyer for details. Home includes a 10-year structural warranty, offering lasting peace of mind.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

3/10
Coquillard Primary CenterGrades PK-53.6 mi
9/10
2/10
Clay High SchoolGrades 9-124.2 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Composition,Shingle
  • Construction materials: Vinyl Siding

Other

  • Builder name: Allen Edwin Homes

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Washer,Dryer-Electric,Electric Range

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Concrete

Bedroom1

  • Level: Main

Bedroom2

  • Level: Lower

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 135

Features

  • Walk-In Closet(s),Countertops-Solid Surf,Eat-in Kitchen,Entrance Foyer,Kitchen Island,Open Floorplan,Main Level Bedroom Suite,Great Room,Low Emittance Doors/Win
  • Flooring: Carpet,Vinyl
  • Finished area below ground: 952
  • Finished area above ground: 1,120

Heating & Cooling

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

Interior Area

  • Total structure area: 2,237
  • Total interior livable area: 2,072 sqft

Kitchen

  • Level: Main
  • Area: 240

Living Room

  • Level: Main
  • Area: 266

Property

Details

  • Zoning description: Residential

Features

  • Levels: Bi-Level
  • Patio & porch: Deck,Porch Covered

Lot

  • Lot size: 9,857 sqft
  • Features: 0-2.9999
  • Lot size dimensions: 68x145

Parking

  • Total spaces: 2
  • Parking features: Attached,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

  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado

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 $1,895$22,740
Home Insurance *$335$4,020
Property Taxes $265$3,180
Electricity $189$2,279
Total$2,684$32,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,022/yr
40% on housing$80,520/yr
45% on housing$71,573/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

$181This listing

vs Other Active Listings

Avg $/sqft

ZIP 46628$101
St. Joseph County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 46628$108
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
2026-04-22Listed for sale$374,900
2026-02-23Listing removed$374,900
2026-01-28Listed for sale$374,900

New Construction Spec

AgentEric j Kovalak
BrokerageCopper Bay Realty, LLC

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